1012 Summer St, Chattanooga, TN 37405 Property Records

Hamilton County property record for 1012 Summer St, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 768 sqft · built 1959
Lot Size	0.219 acres (9,555 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,050 (Aug 1998)
Tax Bill	$1,298 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`127P J 007`

Property Details

APN / Parcel Number

Primary APN	`127P J 007`
Alternative APN	`0000052156`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	768 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,555 sqft (0.219 acres)
Lot Dimensions	200 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000052156
Street Address	1012 SUMMER ST
City	CHATTANOOGA
State	TN
Zip	37405-2949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LTS 9 10 BLK 9 MAP NO 1 NORTH CHATT PB3 PG31
Legal Subdivision	NORTH CHATT MAP NO 1
Legal Block	9
Legal Lot Number	9,10
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3009
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 October 9, 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	1012 SUMMER ST, CHATTANOOGA, TN 37405-2949
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 1998 · Amount on Record
Deed Sale	Aug 3, 1998 · Amount on Record
Deed Document Number	1998209
Deed Book / Page	5150 / 892
Last Transfer Date	Aug 21, 2026
Transfer Doc	0000000138
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 27, 2026
Property Address	1012 SUMMER ST, CHATTANOOGA, TN 37405-2949
Document Number	0000000138
Book / Page	14418 / 482
Instrument Date	Aug 21, 2026
Instrument	2026138
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	M AND M TITLE INSURANCE, HON & KOPET TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1012 SUMMER ST, CHATTANOOGA, TN 37405-2949

Mortgage

Document Number	0000000139,
Date	Aug 27, 2026
Book Page	14418/484
Instrument	20260827139

Lender

Name	TENNESSEE VALLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 25, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$1,298.00 (-7.22%)	$85,700 (+37.01%)	$342,800 (+37.01%) Land $225,000 Building $117,800
2024	$1,399.00	$62,550 (-)	$250,200 (-) Land $150,000 Building $100,200
2023	$1,399.00	$62,550 (-)	$250,200 (-) Land $150,000 Building $100,200
2022	$1,399.00	$62,550	$250,200 Land $150,000 Building $100,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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

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.

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 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