8348 Oak Dr, Chattanooga, TN 37421 Property Records

Hamilton County property record for 8348 Oak Dr, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,775 sqft · built 1954
Lot Size	0.435 acres (18,966 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Mar 1994)
Tax Bill	$973 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171J B 005`

Property Details

APN / Parcel Number

Primary APN	`171J B 005`
Alternative APN	`0000118263`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,775 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,966 sqft (0.435 acres)
Lot Dimensions	87 ft deep x 218 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000118263
Street Address	8348 OAK DR
City	CHATTANOOGA
State	TN
Zip	37421-4339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SW 1/4 SEC 19 TWP 1 R2
Legal Range	02
Legal Township	01
Legal Section	19
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	3
Census Block	3016
Census Tract	11326

Owner

8348 Oak Dr is owned and occupied by two individuals who bought it in March 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	8348 OAK DR, CHATTANOOGA, TN 37421-4339
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

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 1994 · Amount on File
Deed Sale	Mar 9, 1994 · Amount on File
Deed Document Number	0004312850
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	8348 OAK DR, CHATTANOOGA, TN 37421-4339
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8348 OAK DR, CHATTANOOGA, TN 37421-4339

Mortgage

Document Number	0000000114
Date	Apr 16, 2024
Book Page	13566/549
Instrument	2024041600114

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	8348 OAK DR, CHATTANOOGA, TN 37421-4339
Document Number	0819000059
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 16, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8348 OAK DR CHATTANOOGA TN 374214339, CHATTANOOGA, TN 37421-4339

Mortgage

Document Number	0819000059
Date	Aug 19, 2020
Book Page	012119/000191
Instrument	200819000059

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 18, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	8348 OAK DR, CHATTANOOGA, TN 37421-4339
Document Number	1107000178
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8348 OAK DR CHATTANOOGA TN 374214339, CHATTANOOGA, TN 37421-4339

Mortgage

Document Number	1107000178
Date	Nov 7, 2019
Book Page	011813/000910
Instrument	191107000178

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 6, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 8348 Oak Dr was $973, down 9.7% 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	$973.00 (-9.74%)	$64,250 (+33.23%)	$257,000 (+33.23%) Land $60,000 Building $197,000
2024	$1,078.00	$48,225 (-)	$192,900 (-) Land $60,000 Building $132,900
2023	$1,078.00	$48,225 (-)	$192,900 (-) Land $60,000 Building $132,900
2022	$1,078.00	$48,225	$192,900 Land $60,000 Building $132,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8348 Oak Dr 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 8348 Oak Dr 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 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.03% 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.

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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