Hamilton County property record for 7550 Stephen Ln, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,452 sqft · built 2021 |
| Lot Size | 0.553 acres (24,108 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Aug 1998) |
| Tax Bill | $2,973 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Jan 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 159A D 007 |
| Primary APN | 159A D 007 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,452 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 24,108 sqft (0.553 acres) |
| Lot Dimensions | 190 ft deep x 130 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000101167 |
|---|---|
| Street Address | 7550 STEPHEN LN |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-3152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT PT 4 JANE GRAY SUB PB24 PG98 |
| Legal Subdivision | MRS JANES GRAYS SUBDIVISION |
| Legal Lot Number | 4 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11321 |
Source: Hamilton County records · APN 159A D 007
Assessment roll updated January 2, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7550 STEPHEN LN, CHATTANOOGA, TN 37421-3152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Jan 03, 2023 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 31, 1998 · Amount on Record |
| Deed Sale | Aug 31, 1998 · Amount on Record |
| Prior Sale | Mar 20, 1996 |
| Deed Document Number | 1998311 |
| Deed Book / Page | 5170 / 578 |
| Last Transfer Date | Jan 03, 2023 |
| Transfer Doc | 0000000143 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 7550 STEPHEN LN, CHATTANOOGA, TN 37421-3152 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 7550 STEPHEN LN, CHATTANOOGA, TN 37421-3152 |
| Document Number | 0000000021 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 12734/793 |
| Instrument | 2021111600021 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 10, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 03, 2023 |
| Property Address | 7550 STEPHEN LN, CHATTANOOGA, TN 37421-3152 |
| Document Number | 0000000143 |
| Book / Page | 13179 / 962 |
| Map Reference | MB 13 PG 6 |
| Instrument Date | Dec 29, 2022 |
| Instrument | 2023010300143 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7550 STEPHEN LN, CHATTANOOGA, TN 37421-3152 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 7550 STEPHEN LN, CHATTANOOGA, TN 37421-3152 |
| Document Number | 0527000257 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7550 STEPHEN LN CHATTANOOGA TN 374213152, CHATTANOOGA, TN 37421-3152 |
| Document Number | 0527000257 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 012014/000606 |
| Instrument | 200527000257 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 2 20TH ST N # 320, BIRMINGHAM, AL 35203-4002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 26, 2050 |
| Rate | 1.56% |
|---|
Source: Hamilton County records · Assessment roll updated January 2, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,973.00 (+11.43%) | $196,150 (+64.45%) | $784,600 (+64.45%) Land $250,000 Building $534,600 |
| 2024 | $2,668.00 | $119,275 (-) | $477,100 (-) Land $50,000 Building $427,100 |
| 2023 | $2,668.00 | $119,275 (-) | $477,100 (-) Land $50,000 Building $427,100 |
| 2022 | $2,668.00 | $119,275 | $477,100 Land $50,000 Building $427,100 |
Source: FEMA National Flood Hazard Layer as of August 30, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 7 (2009–2020) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Electric Power Board of Chattanooga, Tennessee Fiber | 100,000 / 100,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 160 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TENNESSEE AMERICAN WATER private · serves 207,046 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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