Hamilton County property record for 102 Stephens Rd, Chattanooga, TN 37419
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,536 sqft · built 1950 |
| Lot Size | 0.485 acres (21,131 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $56,000 (Aug 1998) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 144O B 016 |
| Primary APN | 144O B 016 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 21,131 sqft (0.485 acres) |
| Lot Dimensions | 210 ft deep x 117 ft wide |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Account Number | 0000069694 |
|---|---|
| Street Address | 102 STEPHENS RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37419-1622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PT LOT 20 BLK 5 ADDN TO TIFTONIA SECTION NO 2 N/R |
| Legal Subdivision | TIFTONIA SEC NO 2 |
| Legal Block | 5 |
| Legal Lot Number | 20 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 12100 |
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.
102 Stephens Rd is owned and occupied by two individuals who bought it in August 1998.
Source: Hamilton County records, as of July 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 STEPHENS RD, CHATTANOOGA, TN 37419-1622 |
| 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 |
|---|---|
| Oct 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Nov 29, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 1998 · Amount on File |
| Deed Sale | Aug 5, 1998 · Amount on File |
| Deed Document Number | 199815 |
| Deed Book / Page | 5152 / 959 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 102 STEPHENS RD, CHATTANOOGA, TN 37419-1622 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | UNION TITLE INSURANCE AGENCY INC, PIONEER TITLE INS AGCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000000096 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 12674/58 |
| Instrument | 2021100100096 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 102 STEPHENS RD, CHATTANOOGA, TN 37419-1622 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 102 STEPHENS RD, CHATTANOOGA, TN 37419-1622 |
| Document Number | 0000000112 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 12748/73 |
| Instrument | 2021112900112 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37219 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 16, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 102 Stephens Rd was $712, up 9.7% 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 | $712.00 (+9.71%) | $46,975 (+61.84%) | $187,900 (+61.84%) Land $57,500 Building $130,400 |
| 2024 | $649.00 | $29,025 (-) | $116,100 (-) Land $34,500 Building $81,600 |
| 2023 | $649.00 | $29,025 (-) | $116,100 (-) Land $34,500 Building $81,600 |
| 2022 | $649.00 | $29,025 | $116,100 Land $34,500 Building $81,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 Stephens Rd 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 | 2 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 102 Stephens Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 57% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 130 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 |
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