Hamilton County property record for 7856 Opal Dr, Chattanooga, TN 37416
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,581 sqft · built 1970 |
| Lot Size | 0.344 acres (15,015 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Oct 2020) |
| Tax Bill | $945 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 129F K 013 |
| Primary APN | 129F K 013 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,581 sqft Living Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,015 sqft (0.344 acres) |
| Lot Dimensions | 200 ft deep x 80 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000055241 |
|---|---|
| Street Address | 7856 OPAL DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-2420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 30 WASHINGTON HILLS UNIT NO 6 PB 23 PG 13 |
| Legal Subdivision | WASHINGTON HILLS UNI |
| Legal Lot Number | 30 |
| Legal Unit | 6 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 11402 |
7856 Opal Dr is owned and occupied by an individual who bought it in October 2020.
Source: Hamilton County records, as of May 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7856 OPAL DR, CHATTANOOGA, TN 37416-2420 |
| 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 |
|---|---|
| Apr 27, 2026 | Deed of Trust, Mortgage · Line of Credit SOUTHEAST FINANCIAL CREDIT UNION |
| Oct 30, 2020 | Warranty Deed, Transfer · FHA Mortgage VANDYK MTG |
| Aug 9, 2018 | Quit Claim Deed, Transfer ENSIGN TITLE AND ESCROW INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on File |
| Deed Sale | Oct 30, 2020 · Amount on File |
| Deed Document Number | 2020377 |
| Deed Book / Page | 12213 / 326 |
| Prior Transfer Date | Aug 8, 2018 |
| Prior Transfer Doc | 0000000111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 27, 2026 |
| Property Address | 7856 OPAL DR, CHATTANOOGA, TN 37416-2420 |
| Document Number | 0000000052 |
| Book / Page | 14274 / 878 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202652 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | BRIDGEHOUSE TITLE |
| Name | Verified Name |
|---|---|
| Address | 7856 OPAL DR, CHATTANOOGA, TN 37416-2420 |
| Document Number | 0000000052, |
|---|---|
| Date | Apr 27, 2026 |
| Book Page | 14274/878 |
| Instrument | 202652 |
| Name | SOUTHEAST FINANCIAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 27, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 30, 2020 |
| Property Address | 7856 OPAL DR, CHATTANOOGA, TN 37416-2420 |
| Document Number | 1030000377 |
| Book / Page | 012213 / 000326 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 201030000377 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2020 |
| Title Company | ENSIGN TITLE AND ESCROW INC, ENSIGN TITLE & ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $611.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7856 OPAL DR CHATTANOOGA TN 374162420, CHATTANOOGA, TN 37416-2420 |
| Document Number | 1030000378 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 012213/000329 |
| Instrument | 201030000378 |
| Name | VANDYK MTG |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 9, 2018 |
| Property Address | 7856 OPAL DR, CHATTANOOGA, TN 37416-2420 |
| Document Number | 0809000111 |
| Book / Page | 011422 / 000413 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 180809000111 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2018 |
| Title Company | ENSIGN TITLE AND ESCROW INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7856 OPAL DR CHATTANOOGA TN 374162420, CHATTANOOGA, TN 37416-2420 |
The 2025 property tax bill for 7856 Opal Dr was $945, down 4.5% 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 | $945.00 (-4.55%) | $62,375 (+40.96%) | $249,500 (+40.96%) Land $60,000 Building $189,500 |
| 2024 | $990.00 | $44,250 (-) | $177,000 (-) Land $30,000 Building $147,000 |
| 2023 | $990.00 | $44,250 (-) | $177,000 (-) Land $30,000 Building $147,000 |
| 2022 | $990.00 | $44,250 | $177,000 Land $30,000 Building $147,000 |
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 7856 Opal Dr in Zone X, an area of minimal flood risk.
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 |
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 7856 Opal Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 53% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.06% 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.
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 396 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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