Hamilton County property record for 5086 Oop Rd, Chattanooga, TN 37416
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,772 sqft · built 2023 |
| Lot Size | 0.185 acres (8,084 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $452,000 (Apr 2026) |
| Tax Bill | $1,380 (2025) |
| Deeds & Mortgages | Mar 2023 Construction Loan Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 120N G 025 |
| Primary APN | 120N G 025 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,772 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,084 sqft (0.185 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000390296 |
|---|---|
| Street Address | 5086 OOP RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-2546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 33 SWAN COVE SUB PB 119 PGS 98-100 OUT OF 120N F 017 FOR 2021 |
| Legal Subdivision | SWAN COVE SUB |
| Legal Lot Number | 33 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 11402 |
5086 Oop Rd is owned and occupied by two individuals who bought it in April 2026.
Source: Hamilton County records, as of April 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5086 OOP RD, CHATTANOOGA, TN 37416-2546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 24, 2023 | Deed of Trust, Mortgage · Construction Mortgage BUILTWELL BANK |
| Apr 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Jul 31, 2025 | Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP |
| Sep 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage KNOXVILLE TVA EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2026 · Amount on File |
| Deed Sale | Apr 16, 2026 · Amount on File |
| Prior Sale | Jul 31, 2025 · Amount on File |
| Deed Document Number | 2026121 |
| Deed Book / Page | 14265 / 259 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 5086 OOP RD, CHATTANOOGA, TN 37416-2546 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Title Company | TITLE INSURANCE COMPANY, TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000000078 |
|---|---|
| Date | Mar 24, 2023 |
| Book Page | 13245/499 |
| Instrument | 2023032400078 |
| Name | BUILTWELL BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37421 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 18 Months |
| Due | Sep 10, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 16, 2026 |
| Property Address | 5086 OOP RD, CHATTANOOGA, TN 37416-2546 |
| Document Number | 0000000121 |
| Book / Page | 14265 / 259 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 2026.121 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | NORTHSHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $168,912.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5086 OOP RD, CHATTANOOGA, TN 37416-2546 |
| Document Number | 0000000122, |
|---|---|
| Date | Apr 16, 2026 |
| Instrument | 2026.16.122 |
| Name | MOVEMENT MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 31, 2025 |
| Property Address | 5086 OOP RD, CHATTANOOGA, TN 37416-2546 |
| Document Number | 0000000091 |
| Book / Page | 13999 / 234 |
| Map Reference | MB 119 PG 98-100 |
| Instrument Date | Jul 25, 2025 |
| Instrument | 2025073100091 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | NORTHSHORE TITLE, NORTHSHORE T&E LCL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,591.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5086 OOP RD, CHATTANOOGA, TN 37416-2546 |
| Document Number | 0013999238 |
|---|---|
| Date | Jul 31, 2025 |
| Instrument | 13999/238 |
| Name | HOMEXPRESS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 21, 2023 |
| Property Address | 5086 OOP RD, CHATTANOOGA, TN 37416-2546 |
| Document Number | 0000000145 |
| Book / Page | 13404 / 983 |
| Map Reference | MB 119 PG 98-100 |
| Instrument Date | Sep 19, 2023 |
| Instrument | 2023092100145 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | REALTY TITLE INC, REALTY T&E SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,479.26 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5086 OOP RD, CHATTANOOGA, TN 37416-2546 |
| Document Number | 0000134051 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 13405/1 |
| Name | KNOXVILLE TVA EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
The 2025 property tax bill for 5086 Oop Rd was $1,380, down 5.7% from the year before.
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,380.00 (-5.74%) | $91,075 (+39.1%) | $364,300 (+39.1%) Land $60,000 Building $304,300 |
| 2024 | $1,464.00 (+650.77%) | $65,475 (+648.29%) | $261,900 (+648.29%) Land $35,000 Building $226,900 |
| 2023 | $195.00 | $8,750 (-) | $35,000 (-) Land $35,000 |
| 2022 | $195.00 | $8,750 | $35,000 Land $35,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5086 Oop Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5086 Oop Rd is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 53% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TENNESSEE AMERICAN WATER private · serves 207,046 people · EPA ID TN0000107 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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