820 McRoy Dr, Chattanooga, TN 37405 Property Records

Hamilton County property record for 820 McRoy Dr, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	1 ba · 872 sqft · built 1945
Lot Size	0.236 acres (10,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Sep 2026)
Tax Bill	$396 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`126O D 001`

Property Details

APN / Parcel Number

Primary APN	`126O D 001`
Alternative APN	`0000050593`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	872 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,316 sqft (0.236 acres)
Lot Dimensions	105 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000050593
Street Address	820 MCROY DR
City	CHATTANOOGA
State	TN
Zip	37405-2669
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LT 25 WOODLAND HEIGHTS PB 7 PG 37
Legal Subdivision	WOODLAND HEIGHTS
Legal Lot Number	25
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1004
Census Tract	10901

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Hamilton County records, as of October 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	615 SUNSET VALLEY DR, SODDY DAISY, TN 37379-4075
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Warranty Deed, Transfer · FHA Mortgage HOME MORTGAGE CORPORATION
Jan 27, 2023	Intrafamily Transfer, Transfer · Commercial Mortgage LENDINGONE LLC
May 6, 2022	Warranty Deed, Transfer · Commercial Mortgage SOUTHERN FLIPCO FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2026 · Amount on Record
Deed Sale	Sep 29, 2026 · Amount on Record
Prior Sale	May 6, 2022 · Amount on Record
Deed Document Number	20260929229
Deed Book / Page	14453 / 463
Prior Transfer Date	Jan 24, 2023
Prior Transfer Doc	0000000146
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 29, 2026
Property Address	820 MCROY DR, CHATTANOOGA, TN 37405-2669
Document Number	0000000229
Book / Page	14453 / 463
Instrument Date	Sep 29, 2026
Instrument	20260929229
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	KEY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,477.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 SUNSET VALLEY DR, SODDY DAISY, TN 37379-4075

Mortgage

Document Number	0000000230,
Date	Sep 29, 2026
Book Page	14453/467
Instrument	20260929230

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Jan 27, 2023
Property Address	820 MCROY DR, CHATTANOOGA, TN 37405-2669
Document Number	0000000146
Book / Page	13198 / 337
Map Reference	MB 858 PG 386
Instrument Date	Jan 24, 2023
Instrument	2023012700146
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY LL

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1349 CARRINGTON WAY, CHATTANOOGA, TN 37405-3043

Mortgage

Document Number	0131980340
Date	Jan 27, 2023
Instrument	13198-0340

Lender

Name	LENDINGONE LLC
Type	Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 6, 2022
Property Address	820 MCROY DR, CHATTANOOGA, TN 37405-2669
Document Number	0000000282
Book / Page	12949 / 587
Map Reference	MB 7 PG 37
Instrument Date	Apr 29, 2022
Instrument	2022050600282
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1349 CARRINGTON WAY, CHATTANOOGA, TN 37405-3043

Mortgage

Document Number	0129490590
Date	May 6, 2022
Instrument	12949-0590

Lender

Name	SOUTHERN FLIPCO FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Chattanooga City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$396.00 (+1.02%)	$26,175 (+49.15%)	$104,700 (+49.15%) Land $37,500 Building $67,200
2024	$392.00	$17,550 (-)	$70,200 (-) Land $30,000 Building $40,200
2023	$392.00	$17,550 (-)	$70,200 (-) Land $30,000 Building $40,200
2022	$392.00	$17,550	$70,200 Land $30,000 Building $40,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Claims	1 (1984)
Most Recent Claim	May 1984 · tidal / storm surge

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 217 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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