Hamilton County property record for 643 Pan Gap Rd, Chattanooga, TN 37419
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 864 sqft · built 1991 |
| Lot Size | 0.435 acres (18,953 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Jul 2023) |
| Tax Bill | $791 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage May 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144C A 027 |
| Primary APN | 144C A 027 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,953 sqft (0.435 acres) |
| Lot Dimensions | 370 ft deep x 25.4 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000122319 |
|---|---|
| Street Address | 643 PAN GAP RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37419-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 2 HOODENPYLE SUB PB42 PG75 REV 47-228 OUT OF 144-6 FOR 1987 |
| Legal Subdivision | HOODENPYLE SUB |
| Legal Lot Number | 2 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 12100 |
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.
643 Pan Gap Rd is owned by an individual who bought it in July 2023.
Source: Hamilton County records, as of March 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 643 PAN GAP RD, CHATTANOOGA, TN 37419-1219 |
| Owner Type | Individual |
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 |
|---|---|
| Jul 28, 2023 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| May 31, 2017 | Deed of Trust, Mortgage · FHA Mortgage TJC MORTGAGE INC |
| Oct 6, 2020 | Warranty Deed, Transfer · Conventional with PMI NEW AMERICAN FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2023 · Amount on File |
| Deed Sale | Jul 28, 2023 · Amount on File |
| Prior Sale | Oct 6, 2020 · Amount on File |
| Deed Document Number | 2023072857 |
| Deed Book / Page | 13357 / 405 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 28, 2023 |
| Property Address | 643 PAN GAP RD, CHATTANOOGA, TN 37419-1219 |
| Document Number | 0000000057 |
| Book / Page | 13357 / 405 |
| Map Reference | MB 47 PG 228 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 2023072800057 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | UNKNOWN, BRIDGE CITY TTL BRAINERD LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $740.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 PAN GAP RD, CHATTANOOGA, TN 37419-1219 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000058 |
|---|---|
| Date | Jul 28, 2023 |
| Instrument | 2023072800058 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 643 PAN GAP RD, CHATTANOOGA, TN 37419-1219 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000004 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 11061/840 |
| Instrument | 2017053100004 |
| Name | TJC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHATTANOOGA, TN 37421 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 6, 2020 |
| Property Address | 643 PAN GAP RD, CHATTANOOGA, TN 37419-1219 |
| Document Number | 1006000081 |
| Book / Page | 012180 / 000471 |
| Instrument Date | Oct 2, 2020 |
| Instrument | 201006000081 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | REALTY CENTER TITLE AND ESCROW L, REALTY CENTER TITLE & ESCROW L |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 643 PAN GAP RD CHATTANOOGA TN 374191219, CHATTANOOGA, TN 37419-1219 |
| Document Number | 1006000082 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 012180/000474 |
| Instrument | 201006000082 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | WAYSIDE, MS 38780 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 5, 2050 |
The 2025 property tax bill for 643 Pan Gap Rd was $791, down 3.2% 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 | $791.00 (-3.18%) | $52,200 (+42.82%) | $208,800 (+42.82%) Land $42,500 Building $166,300 |
| 2024 | $817.00 | $36,550 (-) | $146,200 (-) Land $25,500 Building $120,700 |
| 2023 | $817.00 | $36,550 (-) | $146,200 (-) Land $25,500 Building $120,700 |
| 2022 | $817.00 | $36,550 | $146,200 Land $25,500 Building $120,700 |
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.
FEMA maps place 643 Pan Gap Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1982.
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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 21 (1982–2020) |
| Claims Outside the SFHA | 7 of 21 |
| Most Recent Claim | Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
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 risk around 643 Pan Gap Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 79% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.2% 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 15 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 |
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