Hamilton County property record for 1012 Albany St, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,292 sqft · built 2007 |
| Lot Size | 0.156 acres (6,832 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $620,000 (Dec 2025) |
| Tax Bill | $3,098 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 136A B 008 |
| Primary APN | 136A B 008 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,292 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,832 sqft (0.156 acres) |
| Lot Dimensions | 144 ft deep x 35 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000060835 |
|---|---|
| Street Address | 1012 ALBANY ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-2846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 5 BLK 11 MAP NO 1 NORTH CHATT |
| Legal Subdivision | NORTH CHATT MAP NO 1 |
| Legal Block | 11 |
| Legal Lot Number | 5 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600 |
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.
1012 Albany St is owned and occupied by two individuals who bought it in December 2025.
Source: Hamilton County records, as of April 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1012 ALBANY ST, CHATTANOOGA, TN 37405-2846 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Dec 8, 2025 | Warranty Deed, Transfer · Commercial Mortgage ONE BANK OF TENNESSEE |
| Feb 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOAN SIMPLE INC |
| Sep 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on File |
| Deed Sale | Dec 8, 2025 · Amount on File |
| Prior Sale | Feb 26, 2021 · Amount on File |
| Deed Document Number | 2025259 |
| Deed Book / Page | 14131 / 465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 8, 2025 |
| Property Address | 1012 ALBANY ST, CHATTANOOGA, TN 37405-2846 |
| Document Number | 0000000259 |
| Book / Page | 14131 / 465 |
| Map Reference | MB 3 PG 31 |
| Instrument Date | Dec 5, 2025 |
| Instrument | 2025120800259 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1012 ALBANY ST, CHATTANOOGA, TN 37405-2846 |
| Document Number | 0014131469 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 14131/469 |
| Name | ONE BANK OF TENNESSEE |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 26, 2021 |
| Property Address | 1012 ALBANY ST, CHATTANOOGA, TN 37405-2846 |
| Document Number | 0000000025 |
| Book / Page | 12371 / 321 |
| Map Reference | MB 3 PG 31 MAP 1 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 2021022600025 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CHATTANOOGA TITLE-DOWNTOWN LLC, CHATTANOOGA TTL DOWNTOWN LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,757.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1012 ALBANY ST, CHATTANOOGA, TN 37405-2846 |
| Document Number | 0012371324 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 12371/324 |
| Name | LOAN SIMPLE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1012 ALBANY ST, CHATTANOOGA, TN 37405-2846 |
| Document Number | 0912000037 |
| Instrument Date | Sep 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2019 |
| Title Company | JONES RAULSTON TITLE INSURANCE AGENCY, JONES TITLE INS AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1012 ALBANY ST CHATTANOOGA TN 374052846, CHATTANOOGA, TN 37405-2846 |
| Document Number | 0912000037 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 011756/000217 |
| Instrument | 190912000037 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2049 |
The 2025 property tax bill for 1012 Albany St was $3,098, down 5.1% 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 | $3,098.00 (-5.09%) | $204,400 (+40.1%) | $817,600 (+40.1%) Land $225,000 Building $592,600 |
| 2024 | $3,264.00 | $145,900 (-) | $583,600 (-) Land $150,000 Building $433,600 |
| 2023 | $3,264.00 | $145,900 (-) | $583,600 (-) Land $150,000 Building $433,600 |
| 2022 | $3,264.00 | $145,900 | $583,600 Land $150,000 Building $433,600 |
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 1012 Albany St 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 1012 Albany St 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 94% 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.
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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