Hamilton County property record for 848 Willcrest Dr, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,904 sqft · built 2011 |
| Lot Size | 0.229 acres (10,008 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Mar 2026) |
| Tax Bill | $2,306 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 117C D 018 |
| Primary APN | 117C D 018 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,904 sqft Living Area |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,008 sqft (0.229 acres) |
| Lot Dimensions | 146 ft deep x 108 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000162017 |
|---|---|
| Street Address | 848 WILLCREST DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-1948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 264 HORSE CREEK FARMS SUB PH III PB88 PG119 OUT OF 117C-A-6 FOR 2008 |
| Legal Subdivision | HORSE CREEK FARMS PH |
| Legal Phase | III |
| Legal Lot Number | 264 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10904 |
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.
848 Willcrest Dr is owned and occupied by two individuals who bought it in March 2026.
Source: Hamilton County records, as of April 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 848 WILLCREST DR, CHATTANOOGA, TN 37405-1948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Line of Credit FIRSTBANK |
| Mar 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional with PMI FIRSTBANK |
| Jan 9, 2017 | Warranty Deed, Transfer · Conventional with PMI FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2026 · Amount on File |
| Deed Sale | Mar 25, 2026 · Amount on File |
| Prior Sale | Jan 9, 2017 · Amount on File |
| Deed Document Number | 20260325172 |
| Deed Book / Page | 14238 / 839 |
| Prior Transfer Date | Jul 8, 2016 |
| Prior Transfer Doc | 0000000124 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 848 WILLCREST DR, CHATTANOOGA, TN 37405-1948 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST TITLE |
| Name | Verified Name |
|---|---|
| Address | 848 WILLCREST DR, CHATTANOOGA, TN 37405-1948 |
| Document Number | 0000000191 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 14228/116 |
| Instrument | 2026031600191 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 25, 2026 |
| Property Address | 848 WILLCREST DR, CHATTANOOGA, TN 37405-1948 |
| Document Number | 0000000172 |
| Book / Page | 14238 / 839 |
| Map Reference | MB 88 PG 119&120 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 2026032500172 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 848 WILLCREST DR, CHATTANOOGA, TN 37405-1948 |
| Document Number | 0014238842 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 14238/842 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 848 WILLCREST DR, CHATTANOOGA, TN 37405-1948 |
| Document Number | 0929000197 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2020 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 848 WILLCREST DR CHATTANOOGA TN 374051948, CHATTANOOGA, TN 37405-1948 |
| Document Number | 0929000197 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 012170/000484 |
| Instrument | 200929000197 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 9, 2017 |
| Property Address | 848 WILLCREST DR, CHATTANOOGA, TN 37405-1948 |
| Document Number | 0000000257 |
| Book / Page | 01094 / 000449 |
| Instrument Date | Jan 6, 2017 |
| Instrument | 257 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2018 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY AND TRUST COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,263.55 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 848 WILLCREST DR CHATTANOOGA TN 374051948, CHATTANOOGA, TN 37405-1948 |
| Document Number | 258 |
|---|---|
| Date | Jan 9, 2017 |
| Book Page | 010949/000451 |
| Instrument | 258 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2047 |
The 2025 property tax bill for 848 Willcrest Dr was $2,306, down 0.7% from the year before.
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,306.00 (-0.69%) | $152,200 (+46.63%) | $608,800 (+46.63%) Land $110,000 Building $498,800 |
| 2024 | $2,322.00 | $103,800 (-) | $415,200 (-) Land $70,000 Building $345,200 |
| 2023 | $2,322.00 | $103,800 (-) | $415,200 (-) Land $70,000 Building $345,200 |
| 2022 | $2,322.00 | $103,800 | $415,200 Land $70,000 Building $345,200 |
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.
FEMA maps place 848 Willcrest 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 |
| Nearby Flood Policies | 9 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 848 Willcrest 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 67% of the US · above 49% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 192 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 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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