7288 Lakeshore Dr, Chattanooga, TN 37416 Property Records

Hamilton County property record for 7288 Lakeshore Dr, Chattanooga, TN 37416

Property Summary

Property Type	Rural Home
Details	3 ba · 2,958 sqft · built 1970
Lot Size	0.638 acres (27,804 sqft)
Owner	Owner Name on File
Last Sale	$170,000 (Oct 2003)
Tax Bill	$1,641 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112A D 021`

Property Details

APN / Parcel Number

Primary APN	`112A D 021`
Alternative APN	`0000039694`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,958 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1978
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	27,804 sqft (0.638 acres)
Lot Dimensions	198 ft deep x 140 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000039694
Street Address	7288 LAKESHORE DR
City	CHATTANOOGA
State	TN
Zip	37416-1098
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RR
Legal Description	LAKE SHORE COUNTRY CLUB CABIN SITE N/R
Legal Subdivision	LAKESHORE COUNTRY CL
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	5
Census Block	5002
Census Tract	11413

Owner

The current owner of 7288 Lakeshore Dr bought it in October 2003.

Source: Hamilton County records, as of December 31, 2025

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	Owner Name on File
Mailing Address	7288 LAKESHORE DR, CHATTANOOGA, TN 37416-1098
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 5, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2003 · Amount on File
Deed Sale	Oct 3, 2003 · Amount on File
Prior Sale	Jan 28, 1998
Deed Document Number	2003100300352
Deed Book / Page	6883 / 416
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Jul 30, 2026
Property Address	7288 LAKESHORE DR, CHATTANOOGA, TN 37416-1098
Document Number	0000000032
Book / Page	14385 / 960
Instrument Date	Jul 25, 2026
Instrument	202632
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7288 LAKESHORE DR, CHATTANOOGA, TN 37416-1098

Mortgage

Document Number	0000000032,
Date	Jul 30, 2026
Book Page	14385/960
Instrument	202632

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	7288 LAKESHORE DR, CHATTANOOGA, TN 37416-1098
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000016
Date	Jun 17, 2021
Book Page	12530/309
Instrument	2021061700016

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	7288 LAKESHORE DR, CHATTANOOGA, TN 37416-1098
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000201
Date	Dec 5, 2017
Book Page	11219/920
Instrument	2017120500201

Lender

Name	SUNTRUST BANK
Type	Bank
Address	NASHVILLE, TN 37214

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 7288 Lakeshore Dr was $1,641, up 22.5% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

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	$1,641.00 (+22.46%)	$108,275 (+80.76%)	$433,100 (+80.76%) Land $50,000 Building $383,100
2024	$1,340.00 (-0.67%)	$59,900 (-)	$239,600 (-) Land $50,000 Building $189,600
2023	$1,349.00	$59,900	$239,600 Land $50,000 Building $189,600

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 7288 Lakeshore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 7288 Lakeshore Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RIVER LANDING CONDOMINIUM ASSOC private · serves 52 people · EPA ID TN0000924
Water Source	Groundwater influenced by surface water
Last State Inspection	Apr 2026
Also Mapped Here	EASTSIDE UTILITY DISTRICT
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Feb 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 151 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.

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