Hamilton County property record for 109 Morningside Dr, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 6 ba · 4,315 sqft · built 1930 |
| Lot Size | 0.522 acres (22,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Apr 2022) |
| Tax Bill | $2,187 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 156B C 003 |
| Primary APN | 156B C 003 |
|---|---|
| Alternative APN |
|
| Full Baths | 6 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 4,315 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Clay Tile |
| Lot Area | 22,750 sqft (0.522 acres) |
| Lot Dimensions | 130 ft deep x 175 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000089826 |
|---|---|
| Street Address | 109 MORNINGSIDE DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-5028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PT LTS 3-6 BLK 5 REV PLAT OF FERGER PLACE PB7 PG28 |
| Legal Subdivision | FERGER PLACE |
| Legal Block | 5 |
| Legal Lot Number | 3-6 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 2600 |
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.
109 Morningside Dr is owned and occupied by two individuals who bought it in April 2022.
Source: Hamilton County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 MORNINGSIDE DR, CHATTANOOGA, TN 37404-5028 |
| 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 9, 2026 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Apr 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2022 · Amount on File |
| Deed Sale | Apr 12, 2022 · Amount on File |
| Prior Sale | Dec 10, 1999 · Amount on File |
| Deed Document Number | 2022120 |
| Deed Book / Page | 12917 / 680 |
| Prior Transfer Date | Dec 29, 2008 |
| Prior Transfer Doc | 0000000143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 9, 2026 |
| Property Address | 109 MORNINGSIDE DR, CHATTANOOGA, TN 37404-5028 |
| Document Number | 0000000959 |
| Book / Page | 14465 / 959 |
| Instrument Date | Oct 5, 2026 |
| Instrument | 14465959 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 109 MORNINGSIDE DR, CHATTANOOGA, TN 37404-5028 |
| Document Number | 0000000959, |
|---|---|
| Date | Oct 9, 2026 |
| Book Page | 14465/959 |
| Instrument | 14465959 |
| Name | USALLIANCE FCU |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 25, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 12, 2022 |
| Property Address | 109 MORNINGSIDE DR, CHATTANOOGA, TN 37404-5028 |
| Document Number | 0000000120 |
| Book / Page | 12917 / 680 |
| Map Reference | MB 7 PG 28 |
| Instrument Date | Apr 8, 2022 |
| Instrument | 2022041200120 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | BRIDGE CITY TITLE DOWNTOWN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,405.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 MORNINGSIDE DR, CHATTANOOGA, TN 37404-5028 |
| Document Number | 0012917685 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 12917/685 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 109 Morningside Dr was $2,187, up 15% 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 | $2,187.00 (+14.98%) | $144,350 (+69.72%) | $577,400 (+69.72%) Land $50,000 Building $527,400 |
| 2024 | $1,902.00 | $85,050 (-) | $340,200 (-) Land $52,500 Building $287,700 |
| 2023 | $1,902.00 | $85,050 (-) | $340,200 (-) Land $52,500 Building $287,700 |
| 2022 | $1,902.00 | $85,050 | $340,200 Land $52,500 Building $287,700 |
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 109 Morningside Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1983.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 24 (1983–2015) |
| Claims Outside the SFHA | 4 of 24 |
| Most Recent Claim | Apr 2015 · rainfall accumulation |
| 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.
Wildfire risk around 109 Morningside Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 416 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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