Hamilton County property record for 109 Centro St, Chattanooga, TN 37419
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,363 sqft · built 1955 |
| Lot Size | 0.267 acres (11,672 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $85,000 (Apr 2016) |
| Tax Bill | $670 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 154C A 036 |
| Primary APN | 154C A 036 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,363 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,672 sqft (0.267 acres) |
| Lot Dimensions | 60 ft deep x 151 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000087431 |
|---|---|
| Street Address | 109 CENTRO ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37419-1703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 3315 03A 12 LOT 11 P F FRYARS PB 18 PG 28 |
| Legal Subdivision | FRYARS |
| Legal Lot Number | 11 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3017 |
| 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.
Source: Hamilton County records, as of October 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 CENTRO ST, CHATTANOOGA, TN 37419-1703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 7, 2017 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Jul 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Apr 26, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2016 · Amount on Record |
| Deed Sale | Apr 4, 2016 · Amount on Record |
| Prior Sale | Jul 12, 2005 · Amount on Record |
| Deed Document Number | 2016265 |
| Deed Book / Page | 10709 / 636 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 109 CENTRO ST, CHATTANOOGA, TN 37419-1703 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 109 CENTRO ST, CHATTANOOGA, TN 37419-1703 |
| Document Number | 0000000053 |
|---|---|
| Date | Oct 18, 2024 |
| Book Page | 13736/75 |
| Instrument | 2024101800053 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 109 CENTRO ST, CHATTANOOGA, TN 37419-1703 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000000313 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 12673/453 |
| Instrument | 2021093000313 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 109 CENTRO ST, CHATTANOOGA, TN 37419-1703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000006 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 11069/246 |
| Instrument | 2017060700006 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TOMS RIVER, NJ 08753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 285 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 109 CENTRO ST, CHATTANOOGA, TN 37419-1703 |
| Document Number | 0807000154 |
| Instrument Date | Jul 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 109 CENTRO ST CHATTANOOGA TN 374191703, CHATTANOOGA, TN 37419-1703 |
| Document Number | 0807000154 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 011722/000482 |
| Instrument | 190807000154 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 26, 2019 |
| Property Address | 109 CENTRO ST, CHATTANOOGA, TN 37419-1703 |
| Document Number | 0426000060 |
| Book / Page | 011623 / 000715 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 190426000060 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $29.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 CENTRO ST CHATTANOOGA TN 374191703, CHATTANOOGA, TN 37419-1703 |
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 | $670.00 (+29.59%) | $44,250 (+91.35%) | $177,000 (+91.35%) Land $50,000 Building $127,000 |
| 2024 | $517.00 | $23,125 (-) | $92,500 (-) Land $25,000 Building $67,500 |
| 2023 | $517.00 | $23,125 (-) | $92,500 (-) Land $25,000 Building $67,500 |
| 2022 | $517.00 | $23,125 | $92,500 Land $25,000 Building $67,500 |
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.
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 | 7 in force |
| Nearby Flood Claims | 14 (1984–2020) |
| Claims Outside the SFHA | 6 of 14 |
| Most Recent Claim | Oct 2020 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 49% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 199 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 DSL | 100 / 20 |
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