Hamilton County property record for 109 S Saint Marks Ave, Chattanooga, TN 37411
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 808 sqft · built 1935 |
| Lot Size | 0.192 acres (8,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $212,000 (Mar 2026) |
| Tax Bill | $413 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 157N A 025 |
| Primary APN | 157N A 025 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 808 sqft Living Area |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,400 sqft (0.192 acres) |
| Lot Dimensions | 168 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000097739 |
|---|---|
| Street Address | 109 S SAINT MARKS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37411-4860 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 29 BLK 6 HAMILTON PLACE PB8 PG35 |
| Legal Subdivision | HAMILTON PLACE |
| Legal Block | 6 |
| Legal Lot Number | 29 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 3000 |
109 S Saint Marks Ave is owned and occupied by an individual who bought it in March 2026.
Source: Hamilton County records, as of April 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 S SAINT MARKS AVE, CHATTANOOGA, TN 37411-4860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
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 |
|---|---|
| Mar 25, 2026 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| Dec 29, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 25, 2026 · Amount on File |
| Deed Sale | Mar 25, 2026 · Amount on File |
| Prior Sale | Feb 5, 2003 · Amount on File |
| Deed Document Number | 20260325227 |
| Deed Book / Page | 14239 / 223 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 25, 2026 |
| Property Address | 109 S SAINT MARKS AVE, CHATTANOOGA, TN 37411-4860 |
| Document Number | 0000000227 |
| Book / Page | 14239 / 223 |
| Map Reference | MB 8 PG 35 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 2026032500227 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | NORTHSHORE T&E 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 | 109 S SAINT MARKS AVE, CHATTANOOGA, TN 37411-4860 |
| Document Number | 0000000228 |
|---|---|
| Date | Mar 25, 2026 |
| Book Page | 14239/227 |
| Instrument | 2026032500228 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | SANTA ANA, CA 92707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 109 S SAINT MARKS AVE, CHATTANOOGA, TN 37411-4860 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000173 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 11239/073 |
| Instrument | 2017122900173 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 109 S Saint Marks Ave was $413, down 2% 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 | $413.00 (-19.96%) | $27,300 (+18.18%) | $109,200 (+18.18%) Land $45,000 Building $64,200 |
| 2024 | $516.00 | $23,100 (-) | $92,400 (-) Land $30,000 Building $62,400 |
| 2023 | $516.00 | $23,100 (-) | $92,400 (-) Land $30,000 Building $62,400 |
| 2022 | $516.00 | $23,100 | $92,400 Land $30,000 Building $62,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 109 S Saint Marks Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 2 (2025) |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
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 S Saint Marks Ave 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 99.8% of the US · lower than 99.8% 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 439 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 · Fixed Wireless in parts of the area | 100 / 20 |
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