Hamilton County property record for 823 Windy Hill Dr, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 2,793 sqft · built 2005 |
| Lot Size | 0.951 acres (41,440 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,507 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 171L F 018 |
| Primary APN | 171L F 018 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,793 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 41,440 sqft (0.951 acres) |
| Lot Dimensions | 370 ft deep x 112 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000118693 |
|---|---|
| Street Address | 823 WINDY HILL DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-4568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 310 SHELTONS ADDN HURRICANE CREEK EST UNIT 7 PB 34 PG 127 REV 77-91 OUT OF 171-50.02 |
| Legal Subdivision | SHELTONS ADDN |
| Legal Lot Number | 310 |
| Legal Unit | 7 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 11325 |
823 Windy Hill Dr is owned and occupied by two individuals who acquired it in December 2016.
Source: Hamilton County records, as of December 31, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 823 WINDY HILL DR, CHATTANOOGA, TN 37421-4568 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2016 |
| Deed Sale | Dec 14, 2016 |
| Prior Sale | Mar 25, 2014 · Amount on File |
| Deed Document Number | 0010951489 |
| Deed Book / Page | 10754 / 151 |
| Prior Transfer Date | May 27, 2016 |
| Prior Transfer Doc | 2016052700148 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 823 WINDY HILL DR, CHATTANOOGA, TN 37421-4568 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 823 WINDY HILL DR, CHATTANOOGA, TN 37421-4568 |
| Document Number | 0000000196 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 14201/350 |
| Instrument | 2026021900196 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Mar 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 823 Windy Hill Dr was $2,507, up 3.7% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,507.00 (+3.72%) | $165,450 (+53.12%) | $661,800 (+53.12%) Land $75,000 Building $586,800 |
| 2024 | $2,417.00 (-0.37%) | $108,050 (-) | $432,200 (-) Land $55,000 Building $377,200 |
| 2023 | $2,426.00 | $108,050 | $432,200 Land $55,000 Building $377,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 823 Windy Hill 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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 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 823 Windy Hill 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 65% of the US · above 51% 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 249 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 |
May also be available: AT&T, Spectrum, T-Mobile.
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