Hamilton County property record for 86 Rainbow Cir, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,861 sqft · built 1996 |
| Lot Size | 0.181 acres (7,916 sqft) |
| Owner | Individual Name on File |
| Last Sale | $850,000 (Jun 2026) |
| Tax Bill | $2,923 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 127I D 003.02 |
| Primary APN | 127I D 003.02 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,861 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,916 sqft (0.181 acres) |
| Lot Dimensions | 113 ft deep x 69.6 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000137077 |
|---|---|
| Street Address | 86 RAINBOW CIR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-2320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 1 H E SMITH TRACE PB51 PG286 REV 51-291 51-326 |
| Legal Subdivision | H E SMITH SUBDIVISION |
| Legal Lot Number | 1 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 700 |
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.
86 Rainbow Cir is owned and occupied by an individual who bought it in June 2026.
Source: Hamilton County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 86 RAINBOW CIR, CHATTANOOGA, TN 37405-2320 |
| 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 |
|---|---|
| Jun 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST BANK |
| Oct 8, 2024 | Warranty Deed, Transfer ROCKPOINT BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2026 · Amount on File |
| Deed Sale | Jun 25, 2026 · Amount on File |
| Prior Sale | Oct 8, 2024 · Amount on File |
| Deed Document Number | 20260625202 |
| Deed Book / Page | 14347 / 84 |
| Prior Transfer Date | Nov 16, 2012 |
| Prior Transfer Doc | 0000000101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 25, 2026 |
| Property Address | 86 RAINBOW CIR, CHATTANOOGA, TN 37405-2320 |
| Document Number | 0000000202 |
| Book / Page | 14347 / 84 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 2026202 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $317,645.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 RAINBOW CIR, CHATTANOOGA, TN 37405-2320 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000203, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 14347/87 |
| Instrument | 20260625203 |
| Name | FIRST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.71% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 8, 2024 |
| Property Address | 86 RAINBOW CIR, CHATTANOOGA, TN 37405-2320 |
| Document Number | 0000000327 |
| Book / Page | 13727 / 699 |
| Map Reference | MB 51 PG 326 |
| Instrument Date | Oct 7, 2024 |
| Instrument | 2024100800327 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,015.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 RAINBOW CIR, CHATTANOOGA, TN 37405-2320 |
| Document Number | 0000000328 |
|---|---|
| Date | Oct 8, 2024 |
| Instrument | 2024100800328 |
| Name | ROCKPOINT BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 7, 2054 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 86 Rainbow Cir was $2,923, up 1.8% 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 | $2,923.00 (+1.78%) | $192,850 (+50.19%) | $771,400 (+50.19%) Land $225,000 Building $546,400 |
| 2024 | $2,872.00 | $128,400 (-) | $513,600 (-) Land $150,000 Building $363,600 |
| 2023 | $2,872.00 | $128,400 (-) | $513,600 (-) Land $150,000 Building $363,600 |
| 2022 | $2,872.00 | $128,400 | $513,600 Land $150,000 Building $363,600 |
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 86 Rainbow Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 86 Rainbow Cir 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 80% of the US · lower than 72% 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 355 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 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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