515 Druid Ln, Chattanooga, TN 37405 Property Records

Hamilton County property record for 515 Druid Ln, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,288 sqft · built 2013
Lot Size	0.142 acres (6,200 sqft)
Owner	2 Individual Names on File
Last Sale	$765,000 (Aug 2026)
Tax Bill	$2,735 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`135D T 003`

Property Details

APN / Parcel Number

Primary APN	`135D T 003`
Alternative APN	`0000059529`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,288 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,200 sqft (0.142 acres)
Lot Dimensions	124 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000059529
Street Address	515 DRUID LN
City	CHATTANOOGA
State	TN
Zip	37405-4039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 BLK K FRAZIER & COLVILLES ADDN TO HILL CITY PB 4 PG 28
Legal Subdivision	FRAZIER & COLVILLES
Legal Block	K
Legal Lot Number	18
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	2
Census Block	2026
Census Tract	600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

515 Druid Ln is owned and occupied by two individuals who bought it in August 2026.

Source: Hamilton County records, as of August 18, 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	2 Individual Names on File
Mailing Address	515 DRUID LN, CHATTANOOGA, TN 37405-4039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NATIONAL BANK
Mar 16, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS NATIONAL BANK
Mar 2, 2026	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Prior Sale	Mar 2, 2026 · Amount on File
Deed Document Number	20260810166
Deed Book / Page	14399 / 131
Prior Transfer Date	Sep 18, 2014
Prior Transfer Doc	0000000091
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 10, 2026
Property Address	515 DRUID LN, CHATTANOOGA, TN 37405-4039
Document Number	0000000166
Book / Page	14399 / 131
Instrument Date	Aug 5, 2026
Instrument	2026166
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285,880.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 DRUID LN, CHATTANOOGA, TN 37405-4039
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000167,
Date	Aug 10, 2026
Instrument	202610167

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.97%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	515 DRUID LN, CHATTANOOGA, TN 37405-4039
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000188
Date	Dec 3, 2021
Book Page	12757/705
Instrument	2021120300188

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank
Address	DYERSBURG, TN 38024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	515 DRUID LN, CHATTANOOGA, TN 37405-4039
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000156
Date	Mar 16, 2023
Book Page	13238/267
Instrument	2023031600156

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank
Address	DYERSBURG, TN 38025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 16, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 2, 2026
Property Address	515 DRUID LN, CHATTANOOGA, TN 37405-4039
Document Number	0000000099
Book / Page	14211 / 772
Map Reference	MB 4 PG 28
Instrument Date	Feb 26, 2026
Instrument	2026030200099
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	CONVEYANCE T&E INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 DRUID LN, CHATTANOOGA, TN 37405-4039

Mortgage

Document Number	0014211776
Date	Mar 2, 2026
Instrument	14211/776

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.41%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.41%
Index	SOFR Average 30-Day
Max Rate	10.4%

Tax Assessment & Valuation

The 2025 property tax bill for 515 Druid Ln was $2,735, down 3.9% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Chattanooga City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,735.00 (-3.87%)	$180,500 (+41.9%)	$722,000 (+41.9%) Land $225,000 Building $497,000
2024	$2,845.00 (+6.24%)	$127,200 (+6.24%)	$508,800 (+6.24%) Land $150,000 Building $358,800
2023	$2,678.00	$119,725 (-)	$478,900 (-) Land $150,000 Building $328,900
2022	$2,678.00	$119,725	$478,900 Land $150,000 Building $328,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 515 Druid Ln 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

Wildfire risk around 515 Druid Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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