6221 Celtic Dr, Chattanooga, TN 37416 Property Records

Hamilton County property record for 6221 Celtic Dr, Chattanooga, TN 37416

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,868 sqft · built 1981
Lot Size	0.426 acres (18,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Oct 2023)
Tax Bill	$1,347 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`111M A 036`

Property Details

APN / Parcel Number

Primary APN	`111M A 036`
Alternative APN	`0000039316`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,868 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,568 sqft (0.426 acres)
Lot Dimensions	205 ft deep x 90 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000039316
Street Address	6221 CELTIC DR
City	CHATTANOOGA
State	TN
Zip	37416-1446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 78 LAKESHORE MANOR SUB 34-1
Legal Subdivision	LAKESHORE MANOR #1
Legal Lot Number	78
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	4
Census Block	4006
Census Tract	11413

Owner

Source: Hamilton County records, as of March 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6221 CELTIC DR, CHATTANOOGA, TN 37416-1446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage M5 FINANCIAL
Oct 9, 2023	Warranty Deed, Transfer · Conventional Mortgage VALLEY WEST CORPORATION
Jul 7, 2023	Warranty Deed, Transfer OS NATIONAL LLC
Dec 10, 2018	Warranty Deed, Transfer TENNESSEE VLY FCU
Aug 2, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2023 · Amount on Record
Deed Sale	Oct 9, 2023 · Amount on Record
Prior Sale	Jul 7, 2023 · Amount on Record
Deed Document Number	202361
Deed Book / Page	13418 / 993
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	6221 CELTIC DR, CHATTANOOGA, TN 37416-1446
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6221 CELTIC DR, CHATTANOOGA, TN 37416-1446

Mortgage

Document Number	0000000068
Date	Nov 21, 2025
Book Page	14114/653
Instrument	2025112100068

Lender

Name	M5 FINANCIAL
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 9, 2023
Property Address	6221 CELTIC DR, CHATTANOOGA, TN 37416-1446
Document Number	0000000061
Book / Page	13418 / 993
Map Reference	MB 34 PG 1
Instrument Date	Oct 5, 2023
Instrument	2023100900061
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TENNESSEE TITLE SERVICES LLC, TENNESSEE TTL SVCS LLC BRENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6221 CELTIC DR, CHATTANOOGA, TN 37416-1446

Mortgage

Document Number	0000134191
Date	Oct 9, 2023
Instrument	13419/1

Lender

Name	VALLEY WEST CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 7, 2023
Property Address	6221 CELTIC DR, CHATTANOOGA, TN 37416-1446
Document Number	0000000093
Book / Page	13339 / 59
Map Reference	MB 34 PG 1
Instrument Date	Jun 30, 2023
Instrument	2023070700093
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$930.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 10, 2018
Property Address	6221 CELTIC DR, CHATTANOOGA, TN 37416-1446
Document Number	1210000037
Book / Page	011518 / 000649
Instrument Date	Dec 5, 2018
Instrument	181210000037
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	KELTY TITLE AND ESCROW SERVICES INC, REALTY TITLE & ESCROW SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$619.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6221 CELTIC DR CHATTANOOGA TN 374161446, CHATTANOOGA, TN 37416-1446

Mortgage

Document Number	1210000038
Date	Dec 10, 2018
Book Page	011518/000651
Instrument	181210000038

Lender

Name	TENNESSEE VLY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Dec 9, 2043

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	6221 CELTIC DR, CHATTANOOGA, TN 37416-1446
Document Number	0814000036
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Sep 6, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6221 CELTIC DR CHATTANOOGA TN 374161446, CHATTANOOGA, TN 37416-1446

Mortgage

Document Number	0814000036
Date	Aug 14, 2018
Book Page	011425/000597
Instrument	180814000036

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,347.00 (+43.45%)	$88,900 (+111.79%)	$355,600 (+111.79%) Land $50,000 Building $305,600
2024	$939.00 (-0.95%)	$41,975 (-)	$167,900 (-) Land $20,000 Building $147,900
2023	$948.00	$41,975 (-)	$167,900 (-) Land $20,000 Building $147,900
2022	$948.00	$41,975	$167,900 Land $20,000 Building $147,900

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

Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2000–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2012 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · above 61% of Tennessee
Wildfire Likelihood	0.08% 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	EASTSIDE UTILITY DISTRICT serves 59,612 people · EPA ID TN0000219
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	2 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	3 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 164 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: T-Mobile.

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