1000 E 16th St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 1000 E 16th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,138 sqft · built 1920
Lot Size	0.074 acres (3,263 sqft)
Owner	Company Name on Record
Last Sale	$107,500 (Dec 2020)
Tax Bill	$746 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146P J 021`

Property Details

APN / Parcel Number

Primary APN	`146P J 021`
Alternative APN	`0000077800`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,138 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,263 sqft (0.074 acres)
Lot Dimensions	72.5 ft deep x 45 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000077800
Street Address	1000 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT PT 93 ORANGE GROVE PB 3 PB 39
Legal Subdivision	ORANGE GROVE
Legal Lot Number	93
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	3
Census Block	3047
Census Tract	2600

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 October 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	598 N CREST RD, CHATTANOOGA, TN 37404-1020
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Non-Conforming Investor Loan Y-12 FCU
Dec 11, 2020	Warranty Deed, Transfer · Conventional Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Jul 30, 2014 · Amount on Record
Deed Document Number	20201211293
Deed Book / Page	12273 / 45
Prior Transfer Date	Jul 18, 2014
Prior Transfer Doc	0000000171
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1000 E 16TH ST, CHATTANOOGA, TN 37408-2203
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000148
Date	Feb 10, 2026
Book Page	14190/145
Instrument	2026021000148

Lender

Name	Y-12 FCU
Type	Credit Union
Address	OAK RIDGE, TN 37831

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	60 Months
Due	Feb 1, 2031

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 11, 2020
Property Address	1000 E 16TH ST, CHATTANOOGA, TN 37408-2203
Document Number	1211000293
Book / Page	012273 / 000045
Instrument Date	Nov 16, 2020
Instrument	201211000293
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	REALTY CENTER TITLE AND ESCROW L, REALTY CENTER TITLE & ESCROW L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$398.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	604 N CREST RD CHATTANOOGA TN 374041010, CHATTANOOGA, TN 37404-1010

Mortgage

Document Number	1211000294
Date	Dec 11, 2020
Book Page	012273/000048
Instrument	201211000294

Lender

Name	SMARTBANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 10, 2035

Interest

Rate Type	Adjustable Rate

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	$746.00 (+24.13%)	$49,225 (+83.16%)	$196,900 (+83.16%) Land $42,000 Building $154,900
2024	$601.00	$26,875 (-)	$107,500 (-) Land $15,000 Building $92,500
2023	$601.00	$26,875 (-)	$107,500 (-) Land $15,000 Building $92,500
2022	$601.00	$26,875	$107,500 Land $15,000 Building $92,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	24 (1983–2015)
Claims Outside the SFHA	4 of 24
Most Recent Claim	Apr 2015 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 5 claims Extensive Rainfall And Flash Flooding, Mar 1994 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 122 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

May also be available: AT&T, T-Mobile.

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