92 Rainbow Cir, Chattanooga, TN 37405 Property Records

Hamilton County property record for 92 Rainbow Cir, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,678 sqft · built 1996
Lot Size	0.197 acres (8,582 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Nov 2023)
Tax Bill	$2,981 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`127I D 003.01`

Property Details

APN / Parcel Number

Primary APN	`127I D 003.01`
Alternative APN	`0000124892`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,678 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,582 sqft (0.197 acres)
Lot Dimensions	99 ft deep x 89 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000124892
Street Address	92 RAINBOW CIR
City	CHATTANOOGA
State	TN
Zip	37405-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 H E SMITH TRACE PB42 PG418 REV 51-286 51-291 51-326 OUT OF 127I-D-3 FOR 1988
Legal Subdivision	H E SMITH TRACE
Legal Lot Number	2
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	2
Census Block	2006
Census Tract	700

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

Source: Hamilton County records, as of March 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	92 RAINBOW CIR, CHATTANOOGA, TN 37405-2320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
May 27, 2021	Warranty Deed, Transfer UNION TITLE INSURANCE AGENCY INC, PIONEER TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	May 27, 2021 · Amount on Record
Deed Document Number	2023113
Deed Book / Page	13448 / 275
Prior Transfer Date	Feb 6, 2009
Prior Transfer Doc	0000000227
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 14, 2023
Property Address	92 RAINBOW CIR, CHATTANOOGA, TN 37405-2320
Document Number	0000000113
Book / Page	13448 / 275
Map Reference	MB 51 PG 326
Instrument Date	Nov 10, 2023
Instrument	2023111400113
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,682.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	92 RAINBOW CIR, CHATTANOOGA, TN 37405-2320

Mortgage

Document Number	0000000114
Date	Nov 14, 2023
Instrument	2023111400114

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 27, 2021
Property Address	92 RAINBOW CIR, CHATTANOOGA, TN 37405-2320
Document Number	0000000044
Book / Page	12501 / 471
Map Reference	MB 51 PG 326
Instrument Date	May 25, 2021
Instrument	2021052700044
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNION TITLE INSURANCE AGENCY INC, PIONEER TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$2,440.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 RAINBOW CIR, CHATTANOOGA, TN 37405-2320

Tax Assessment & Valuation

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	$2,981.00 (+12.58%)	$196,725 (+66.15%)	$786,900 (+66.15%) Land $180,000 Building $606,900
2024	$2,648.00	$118,400 (-)	$473,600 (-) Land $120,000 Building $353,600
2023	$2,648.00	$118,400 (-)	$473,600 (-) Land $120,000 Building $353,600
2022	$2,648.00	$118,400	$473,600 Land $120,000 Building $353,600

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.

Flood

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

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.

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 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

92 Rainbow Cir, Chattanooga, TN 37405 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Rainbow Cir

Nearby Streets

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