903 S Crest Rd, Chattanooga, TN 37404 Property Records

Hamilton County property record for 903 S Crest Rd, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,554 sqft · built 2024
Lot Size	1.15 acres (50,426 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Oct 2026)
Tax Bill	$2,594 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jun 2024 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`168N J 026`

Property Details

APN / Parcel Number

Primary APN	`168N J 026`
Alternative APN	`0000112066`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,554 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	50,426 sqft (1.15 acres)
Lot Dimensions	200 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000112066
Street Address	903 S CREST RD
City	CHATTANOOGA
State	TN
Zip	37404-5926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 11 PT 20 CHEROKEE HILLS SUB PB8 PG42 0161 11 14
Legal Subdivision	CHEROKEE HILLS
Legal Lot Number	11
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	1
Census Block	1015
Census Tract	2400

Historic Designation

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.

Owner

903 S Crest Rd is owned and occupied by two individuals who bought it in October 2026.

Source: Hamilton County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 14, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 6, 2024	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NATIONAL BANK
Dec 7, 2020	Loan Modification, Mortgage · Conventional Mortgage FIRST CITIZENS NAT'L BK
Jun 13, 2019	Loan Modification, Mortgage · Conventional Mortgage FIRST CITIZENS NAT'L BK
Jul 27, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS NAT'L BK
Jul 6, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST CITIZENS NAT'L BK
Jan 3, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRST CITIZENS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2026 · Amount on File
Deed Sale	Oct 14, 2026 · Amount on File
Prior Sale	Jun 6, 2024 · Amount on File
Deed Document Number	2026101480
Deed Book / Page	14469 / 322
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 14, 2026
Property Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Document Number	0000000080
Book / Page	14469 / 322
Instrument Date	Oct 8, 2026
Instrument	2026101480
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	PRIORITY TITLE/FL LLC, PRIORITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$257,853.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926

Mortgage

Document Number	0000000081,
Date	Oct 14, 2026
Instrument	2026101481

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jun 6, 2024
Property Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Document Number	0000000105
Book / Page	13613 / 912
Map Reference	MB 8 PG 42
Instrument Date	Jun 5, 2024
Instrument	2024060600105
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,438.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926

Mortgage

Document Number	0000000106
Date	Jun 6, 2024
Instrument	2024060600106

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000006
Date	Dec 28, 2017
Book Page	11236/502
Instrument	2017122800006

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank
Address	DYERSBURG, TN 38024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Document Number	1215000319
Instrument Date	Dec 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 S CREST RD CHATTANOOGA TN 374045926, CHATTANOOGA, TN 37404-5926

Mortgage

Document Number	1215000319
Date	Dec 15, 2020
Book Page	012276/000602
Instrument	201215000319

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 14, 2030

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Document Number	0618000093
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 S CREST RD CHATTANOOGA TN 374045926, CHATTANOOGA, TN 37404-5926

Mortgage

Document Number	0618000093
Date	Jun 18, 2019
Book Page	011672/000169
Instrument	190618000093

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 17, 2029

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Document Number	0802000058
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 SOUTH CRES CHATTANOOGA TN 37404, CHATTANOOGA, TN 37404

Mortgage

Document Number	0802000058
Date	Aug 2, 2018
Book Page	011416/000928
Instrument	180802000058

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2028

Interest

Rate Type	Adjustable Rate

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 6, 2017
Property Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Book / Page	011093 / 000802
Instrument Date	Jun 29, 2017
Instrument	20
Transaction Type	Construction Loan
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	903 S CREST RD CHATTANOOGA TN 374045926, CHATTANOOGA, TN 37404-5926

Mortgage

Document Number	0000000020
Date	Jul 6, 2017
Book Page	011093/000802
Instrument	20

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 5, 2018

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 3, 2017
Property Address	903 S CREST RD, CHATTANOOGA, TN 37404-5926
Book / Page	01094 / 000798
Instrument Date	Dec 20, 2016
Instrument	110
Transaction Type	Construction Loan
Record Updated	Jan 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	807 GIVENS RD CHATTANOOGA TN 374214385, CHATTANOOGA, TN 37421-4385

Mortgage

Document Number	0000000110
Date	Jan 3, 2017
Book Page	010944/000798
Instrument	110

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 2, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 903 S Crest Rd was $2,594, up 45.6% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

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	$2,594.00 (+45.65%)	$171,200 (+115.01%)	$684,800 (+115.01%) Land $75,000 Building $609,800
2024	$1,781.00	$79,625 (-)	$318,500 (-) Land $50,000 Building $268,500
2023	$1,781.00	$79,625 (-)	$318,500 (-) Land $50,000 Building $268,500
2022	$1,781.00	$79,625	$318,500 Land $50,000 Building $268,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 903 S Crest Rd 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

Wildfire risk around 903 S Crest Rd 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 94% of the US · lower than 95% 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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