824 Spindle Ct, Chattanooga, TN 37421 Property Records

Hamilton County property record for 824 Spindle Ct, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,475 sqft · built 2010
Lot Size	0.197 acres (8,590 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Sep 2017)
Tax Bill	$1,973 (2025)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171J A 033.11`

Property Details

APN / Parcel Number

Primary APN	`171J A 033.11`
Alternative APN	`0000163645`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,475 sqft Living Area

Exterior

Year Built	Built 2010
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,590 sqft (0.197 acres)
Lot Dimensions	139 ft deep x 61.8 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000163645
Old Parcel Number	171J A 03311
Street Address	824 SPINDLE CT
City	CHATTANOOGA
State	TN
Zip	37421-4486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 10 ARTISAN PUD PB90 PG118 OUT OF 171J-A-33 FOR 2009
Legal Subdivision	ARTISAN P.U.D
Legal Lot Number	10
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	3
Census Block	3009
Census Tract	11326

Owner

824 Spindle Ct is owned and occupied by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	824 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 18, 2017 · Amount on File
Deed Sale	Sep 18, 2017 · Amount on File
Prior Sale	Jul 12, 2010 · Amount on File
Deed Document Number	2017091800244
Deed Book / Page	11156 / 127
Record Updated	Jun 8, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 18, 2017
Property Address	824 SPINDLE CT, CHATTANOOGA, TN 37421-4486
Document Number	0000000244
Book / Page	11156 / 127
Map Reference	MB90 PG118
Instrument Date	Sep 15, 2017
Instrument	2017091800244
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	FOUNDATION TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,165.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 SPINDLE CT, CHATTANOOGA, TN 37421-4486

Mortgage

Document Number	0000000245
Date	Sep 18, 2017
Instrument	2017091800245

Lender

Name	ENRICHMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 824 Spindle Ct was $1,973, up 9.6% 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	$1,973.00 (+9.61%)	$130,225 (+61.82%)	$520,900 (+61.82%) Land $75,000 Building $445,900
2024	$1,800.00	$80,475 (-)	$321,900 (-) Land $55,000 Building $266,900
2023	$1,800.00	$80,475	$321,900 Land $55,000 Building $266,900

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 824 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 824 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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