520 S Crest Rd, Chattanooga, TN 37404 Property Records

Hamilton County property record for 520 S Crest Rd, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,436 sqft · built 1927
Lot Size	0.322 acres (14,042 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Jan 2018)
Tax Bill	$2,106 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`168C D 017`

Property Details

APN / Parcel Number

Primary APN	`168C D 017`
Alternative APN	`0000108490`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,436 sqft Living Area

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1971
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Clay Tile
Lot Area	14,042 sqft (0.322 acres)
Lot Dimensions	149 ft deep x 142 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Account Number	0000108490
Street Address	520 S CREST RD
City	CHATTANOOGA
State	TN
Zip	37404-5915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	0144 03 17 LT 36&PT LT 37 SUNKIST HGTS PB 9 PG 15
Legal Subdivision	SUNKIST HEIGHTS
Legal Lot Number	37
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	1
Census Block	1029
Census Tract	2500

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

Source: Hamilton County records, as of January 2, 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 Record
Mailing Address	520 S CREST RD, CHATTANOOGA, TN 37404-5915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2025	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Aug 19, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan OLD NATIONAL BANK
Dec 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
Jan 3, 2018	Warranty Deed, Transfer · Conventional Mortgage PINNACLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2018 · Amount on Record
Deed Sale	Jan 3, 2018 · Amount on Record
Deed Document Number	201849
Deed Book / Page	11240 / 873
Prior Transfer Date	Oct 14, 2004
Prior Transfer Doc	0073060799
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	520 S CREST RD, CHATTANOOGA, TN 37404-5915
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CREST RD, CHATTANOOGA, TN 37404

Mortgage

Document Number	0000000086
Date	Aug 6, 2025
Book Page	14005/687
Instrument	2025080600086

Lender

Name	PINNACLE BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	520 S CREST RD, CHATTANOOGA, TN 37404-5915
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 S CREST RD, CHATTANOOGA, TN 37404-5915

Mortgage

Document Number	0000000304
Date	Aug 19, 2025
Book Page	14018/704
Instrument	2025081900304

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	NASHVILLE, TN 37202

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	520 S CREST RD, CHATTANOOGA, TN 37404-5915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000107
Date	Dec 7, 2017
Book Page	11221/902
Instrument	2017120700107

Lender

Name	PINNACLE BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Nov 27, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 3, 2018
Property Address	520 S CREST RD, CHATTANOOGA, TN 37404-5915
Document Number	0000000049
Book / Page	11240 / 873
Map Reference	MB9 PG15
Instrument Date	Dec 29, 2017
Instrument	2018010300049
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,683.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 CREST RD, CHATTANOOGA, TN 37404

Mortgage

Document Number	0000000050
Date	Jan 3, 2018
Instrument	2018010300050

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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	$2,106.00 (-17.28%)	$138,950 (+22.1%)	$555,800 (+22.1%) Land $125,000 Building $430,800
2024	$2,546.00	$113,800 (-)	$455,200 (-) Land $125,000 Building $330,200
2023	$2,546.00	$113,800 (-)	$455,200 (-) Land $125,000 Building $330,200
2022	$2,546.00	$113,800	$455,200 Land $125,000 Building $330,200

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

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

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

Wildfire Risk	Low lower than 62% of the US · above 54% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 207 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

May also be available: AT&T, T-Mobile.

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