Hamilton County property record for 7725 Cecelia Dr, Chattanooga, TN 37416
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 920 sqft · built 1960 |
| Lot Size | 0.241 acres (10,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Dec 2021) |
| Tax Bill | $787 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 129K G 024 |
| Primary APN | 129K G 024 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 920 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,500 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000056454 |
|---|---|
| Street Address | 7725 CECELIA DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-2728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 257 LAKE VISTA UNIT NO 1 PB 19 PG 82 |
| Legal Subdivision | LAKE VISTA UNIT NO 1 |
| Legal Lot Number | 257 |
| Legal Unit | 1 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 11402 |
7725 Cecelia Dr is owned and occupied by an individual who bought it in December 2021.
Source: Hamilton County records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7725 CECELIA DR, CHATTANOOGA, TN 37416-2728 |
| 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 22, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Dec 8, 2021 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE INVESTORS GROUP INC |
| Dec 6, 2017 | Warranty Deed, Transfer · FHA Mortgage CHURCHILL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2021 · Amount on File |
| Deed Sale | Dec 8, 2021 · Amount on File |
| Prior Sale | Dec 6, 2017 · Amount on File |
| Deed Document Number | 2021136 |
| Deed Book / Page | 12763 / 495 |
| Prior Transfer Date | Aug 19, 1998 |
| Prior Transfer Doc | 0051650048 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 22, 2026 |
| Property Address | 7725 CECELIA DR, CHATTANOOGA, TN 37416-2728 |
| Document Number | 0000000013 |
| Book / Page | 14376 / 598 |
| Instrument Date | Aug 14, 2025 |
| Instrument | 202613 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 7725 CECELIA DR, CHATTANOOGA, TN 37416-2728 |
| Document Number | 0000000013, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 14376/598 |
| Instrument | 202613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 306 Months |
| Due | Jan 1, 2052 |
| Rate | 6.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 8, 2021 |
| Property Address | 7725 CECELIA DR, CHATTANOOGA, TN 37416-2728 |
| Document Number | 0000000136 |
| Book / Page | 12763 / 495 |
| Map Reference | MB 19 PG 82&83 |
| Instrument Date | Dec 2, 2021 |
| Instrument | 2021120800136 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY & TRUST CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $666.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7725 CECELIA DR, CHATTANOOGA, TN 37416-2728 |
| Document Number | 0012763497 |
|---|---|
| Date | Dec 8, 2021 |
| Instrument | 12763/497 |
| Name | MORTGAGE INVESTORS GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Number | 0000000138 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 12763/514 |
| Instrument | 2021120800138 |
| Name | MORTGAGE INVESTORS GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | KNOXVILLE, TN 37923 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 6, 2017 |
| Property Address | 7725 CECELIA DR, CHATTANOOGA, TN 37416-2728 |
| Document Number | 0000000189 |
| Book / Page | 11221 / 240 |
| Map Reference | MB8560 PG105 |
| Instrument Date | Dec 6, 2017 |
| Instrument | 2017120600189 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | CUMBERLAND TITLE & GUARANTY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $351.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 7725 CECELIA DR, CHATTANOOGA, TN 37416-2728 |
| Document Number | 0000000190 |
|---|---|
| Date | Dec 6, 2017 |
| Instrument | 2017120600190 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Document Number | 0000000191 |
|---|---|
| Date | Dec 6, 2017 |
| Book Page | 11221/256 |
| Instrument | 2017120600191 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | BRENTWOOD, TN 37027 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 7725 Cecelia Dr was $787, up 35.2% 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 | $787.00 (+35.22%) | $51,975 (+99.71%) | $207,900 (+99.71%) Land $60,000 Building $147,900 |
| 2024 | $582.00 | $26,025 (-) | $104,100 (-) Land $30,000 Building $74,100 |
| 2023 | $582.00 | $26,025 (-) | $104,100 (-) Land $30,000 Building $74,100 |
| 2022 | $582.00 | $26,025 | $104,100 Land $30,000 Building $74,100 |
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 7725 Cecelia Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.
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 | 9 in force |
| Nearby Flood Claims | 4 (2011–2020) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And 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 7725 Cecelia Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 52% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% 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 267 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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