Hamilton County property record for 5122 Oop Rd, Chattanooga, TN 37416
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,410 sqft · built 2023 |
| Lot Size | 0.186 acres (8,123 sqft) |
| Owner | Individual Name on File |
| Last Sale | $445,000 (Oct 2025) |
| Tax Bill | $1,638 (2025) |
| Deeds & Mortgages | Mar 2023 Construction Loan Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 120N G 022 |
| Primary APN | 120N G 022 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,410 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,123 sqft (0.186 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000390293 |
|---|---|
| Street Address | 5122 OOP RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-2547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 30 SWAN COVE SUB PB 119 PGS 98-100 OUT OF 120N F 019 FOR 2021 |
| Legal Subdivision | SWAN COVE SUB |
| Legal Lot Number | 30 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 11402 |
Source: Hamilton County records, as of June 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5122 OOP RD, CHATTANOOGA, TN 37416-2547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2023 | Deed of Trust, Mortgage · Construction Mortgage BUILTWELL BANK |
| Oct 31, 2025 | Warranty Deed, Transfer · Conventional Mortgage GO MORTGAGE LLC |
| Jul 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage MEMBER ONE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2025 · Amount on File |
| Deed Sale | Oct 31, 2025 · Amount on File |
| Prior Sale | Jul 10, 2023 · Amount on File |
| Deed Document Number | 2025244 |
| Deed Book / Page | 14094 / 275 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 5122 OOP RD, CHATTANOOGA, TN 37416-2547 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE INSURANCE COMPANY, TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000000080 |
|---|---|
| Date | Mar 24, 2023 |
| Book Page | 13245/514 |
| Instrument | 2023032400080 |
| Name | BUILTWELL BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37421 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 18 Months |
| Due | Sep 10, 2024 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 31, 2025 |
| Property Address | 5122 OOP RD, CHATTANOOGA, TN 37416-2547 |
| Document Number | 0000000244 |
| Book / Page | 14094 / 275 |
| Map Reference | MB 119 PG 98-100 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 2025103100244 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,646.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5122 OOP RD, CHATTANOOGA, TN 37416-2547 |
| Document Number | 0014094279 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 14094/279 |
| Name | GO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 10, 2023 |
| Property Address | 5122 OOP RD, CHATTANOOGA, TN 37416-2547 |
| Document Number | 0000000225 |
| Book / Page | 13340 / 995 |
| Map Reference | MB 119 PG 98-100 |
| Instrument Date | Jul 10, 2023 |
| Instrument | 2023071000225 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2026 |
| 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 | $1,483.89 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5122 OOP RD, CHATTANOOGA, TN 37416-2547 |
| Document Number | 0000133411 |
|---|---|
| Date | Jul 10, 2023 |
| Instrument | 13341/1 |
| Name | MEMBER ONE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2030 |
| Change Frequency | 3 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.7% |
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 | $1,638.00 (-20.56%) | $108,100 (+17.25%) | $432,400 (+17.25%) Land $60,000 Building $372,400 |
| 2024 | $2,062.00 | $92,200 (-) | $368,800 (-) Land $35,000 Building $333,800 |
| 2023 | $2,062.00 (+957.44%) | $92,200 (+953.71%) | $368,800 (+953.71%) Land $35,000 Building $333,800 |
| 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.
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.
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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