Hamilton County property record for 1004 Summer St, Chattanooga, TN 37405
| Property Type | Duplex |
|---|---|
| Details | 4 ba · 1,632 sqft · built 1968 |
| Lot Size | 0.208 acres (9,065 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Nov 2021) |
| Tax Bill | $2,223 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 127P J 011 |
| Primary APN | 127P J 011 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,632 sqft Total Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,065 sqft (0.208 acres) |
| Lot Dimensions | 181 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000052160 |
|---|---|
| Street Address | 1004 SUMMER ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-2959 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Description | LOT 5 BLK 9 MAP NO 1 NORTH CHATT PB 3 PG 31 |
| Legal Subdivision | NORTH CHATT MAP NO 1 |
| Legal Block | 9 |
| Legal Lot Number | 5 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3009 |
| 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.
1004 Summer St, a duplex, is owned by an individual who bought it in November 2021.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1709 PORTER RD # B, B, NASHVILLE, TN 37206-1215 |
| Owner Type | Individual |
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 |
|---|---|
| Nov 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Oct 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2021 · Amount on File |
| Deed Sale | Nov 1, 2021 · Amount on File |
| Prior Sale | Feb 21, 2008 · Amount on File |
| Deed Document Number | 2021110100344 |
| Deed Book / Page | 12715 / 339 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 1, 2021 |
| Property Address | 1004 SUMMER ST, CHATTANOOGA, TN 37405-2959 |
| Document Number | 0000000344 |
| Book / Page | 12715 / 339 |
| Map Reference | MB 3 PG 31 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 2021110100344 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| 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 | $1,295.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 346 CAMBRIDGE BLVD # A, A, WINTER PARK, FL 32789-3408 |
| Document Number | 0012715342 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 12715/342 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1004 SUMMER ST, CHATTANOOGA, TN 37405-2959 |
| Document Number | 1106000090 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2018 |
| Title Company | VANTAGE PT TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 1004A SUMMER ST #1004B CHATTANOOGA TN 374052949, 1004B, CHATTANOOGA, TN 37405-2949 |
| Document Number | 1106000090 |
|---|---|
| Date | Nov 6, 2018 |
| Book Page | 011495/000200 |
| Instrument | 181106000090 |
| Name | HOMESTAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 5, 2038 |
The 2025 property tax bill for 1004 Summer St was $2,223, up 2% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $2,223.00 (+1.97%) | $146,720 (+50.57%) | $366,800 (+50.57%) Land $225,000 Building $141,800 |
| 2024 | $2,180.00 | $97,440 (-) | $243,600 (-) Land $150,000 Building $93,600 |
| 2023 | $2,180.00 | $97,440 (-) | $243,600 (-) Land $150,000 Building $93,600 |
| 2022 | $2,180.00 | $97,440 | $243,600 Land $150,000 Building $93,600 |
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 1004 Summer St 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 | 1 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 1004 Summer St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.5% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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 481 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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