Hamilton County property record for 7319 Frances Dr, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,326 sqft · built 1965 |
| Lot Size | 0.406 acres (17,705 sqft) |
| Owner | Individual Name on File |
| Last Sale | $156,000 (May 2007) |
| Tax Bill | $1,104 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 138F A 018 |
| Primary APN | 138F A 018 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,326 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 17,705 sqft (0.406 acres) |
| Lot Dimensions | 185 ft deep x 100 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000066243 |
|---|---|
| Street Address | 7319 FRANCES DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-1633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 16 BLK 1 LAKE BROOK SUB SECOND UNIT PB21 PG57 |
| Legal Subdivision | LAKE BROOK SUBDIVISION FIRST UNIT |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 11449 |
7319 Frances Dr is owned and occupied by an individual who bought it in May 2007.
Source: Hamilton County records, as of May 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7319 FRANCES DR, CHATTANOOGA, TN 37421-1633 |
| Occupancy | Owner Occupied |
| 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 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Feb 22, 2021 | Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 5, 2020 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2007 · Amount on File |
| Deed Sale | May 18, 2007 · Amount on File |
| Prior Sale | Oct 12, 2006 · Amount on File |
| Deed Document Number | 2007178 |
| Deed Book / Page | 8343 / 531 |
| Prior Transfer Date | Feb 2, 2006 |
| Prior Transfer Doc | 0000000228 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 7319 FRANCES DR, CHATTANOOGA, TN 37421-1633 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000125 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | 13039/504 |
| Instrument | 2022072700125 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 7319 FRANCES DR, CHATTANOOGA, TN 37421-1633 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000294 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 12364/706 |
| Instrument | 2021022200294 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 7319 FRANCES DR, CHATTANOOGA, TN 37421-1633 |
| Document Number | 0313000200 |
| Instrument Date | Mar 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 7319 PRANCES DR CHATTANOOGA TN 37421, CHATTANOOGA, TN 37421 |
| Document Number | 0313000200 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 011937/000620 |
| Instrument | 200313000200 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 12, 2035 |
The 2025 property tax bill for 7319 Frances Dr was $1,104, down 3.7% 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 | $1,104.00 (-3.66%) | $72,900 (+42.31%) | $291,600 (+42.31%) Land $50,000 Building $241,600 |
| 2024 | $1,146.00 | $51,225 (-) | $204,900 (-) Land $40,000 Building $164,900 |
| 2023 | $1,146.00 | $51,225 (-) | $204,900 (-) Land $40,000 Building $164,900 |
| 2022 | $1,146.00 | $51,225 | $204,900 Land $40,000 Building $164,900 |
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.
FEMA maps place 7319 Frances Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 33 policies |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Aug 2025 · 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 risk around 7319 Frances Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 51% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% 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 265 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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