823 Spindle Ct, Chattanooga, TN 37421 Property Records

Hamilton County property record for 823 Spindle Ct, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,286 sqft · built 2012
Lot Size	0.191 acres (8,340 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2020)
Tax Bill	$1,814 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171J A 033.04`

Property Details

APN / Parcel Number

Primary APN	`171J A 033.04`
Alternative APN	`0000163638`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,286 sqft Living Area

Exterior

Year Built	Built 2012
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,340 sqft (0.191 acres)
Lot Dimensions	139 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000163638
Old Parcel Number	171J A 03304
Street Address	823 SPINDLE CT
City	CHATTANOOGA
State	TN
Zip	37421-4486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 ARTISAN PUD PB90 PG118 OUT OF 171J-A-33 FOR 2009
Legal Subdivision	ARTISAN P.U.D
Legal Lot Number	4
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	3
Census Block	3009
Census Tract	11326

Owner

823 Spindle Ct is owned and occupied by two individuals who bought it in September 2020.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	823 SPINDLE CT, CHATTANOOGA, TN 37421-4486
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on File
Deed Sale	Sep 28, 2020 · Amount on File
Prior Sale	Jul 5, 2012 · Amount on File
Deed Document Number	2020092800347
Deed Book / Page	12169 / 573
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 28, 2020
Property Address	823 SPINDLE CT, CHATTANOOGA, TN 37421-4486
Document Number	0928000347
Book / Page	012169 / 000573
Instrument Date	Sep 24, 2020
Instrument	200928000347
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	FOUNDATION TITLE, FOUNDATION TITLE & ESCROW CHAT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	823 SPINDLE CT CHATTANOOGA TN 374214486, CHATTANOOGA, TN 37421-4486

Mortgage

Document Number	928000348
Date	Sep 28, 2020
Book Page	012169/000575
Instrument	200928000348

Lender

Name	FIRST VOLUNTEER BK/TN
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 823 Spindle Ct was $1,814, up 1.7% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

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	$1,814.00 (+1.68%)	$119,700 (+50.09%)	$478,800 (+50.09%) Land $75,000 Building $403,800
2024	$1,784.00	$79,750 (-)	$319,000 (-) Land $55,000 Building $264,000
2023	$1,784.00	$79,750 (-)	$319,000 (-) Land $55,000 Building $264,000
2022	$1,784.00	$79,750	$319,000 Land $55,000 Building $264,000

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.

Flood

FEMA maps place 823 Spindle Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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	3 in force
Nearby Flood Claims	6 (1979–2025)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2025 · rainfall accumulation

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

Wildfire risk around 823 Spindle Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 50% 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 300 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 DSL	100 / 20

May also be available: Spectrum.

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