115 Centro St, Chattanooga, TN 37419 Property Records

Hamilton County property record for 115 Centro St, Chattanooga, TN 37419

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,396 sqft · built 1959
Lot Size	0.289 acres (12,600 sqft)
Owner	Individual Name on File
Tax Bill	$1,029 (2025)
Deeds & Mortgages	Jul 2020 Transfer
Flood Zone	Zone X (moderate risk)
APN	`154C A 033`

Property Details

APN / Parcel Number

Primary APN	`154C A 033`
Alternative APN	`0000087428`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,396 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,600 sqft (0.289 acres)
Lot Dimensions	168 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000087428
Street Address	115 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 09 LOT 14 P F FRYARS PB 18 PG 28
Legal Subdivision	FRYARS
Legal Lot Number	14
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3017
Census Tract	12100

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

115 Centro St is owned and occupied by an individual who acquired it in July 2020.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	Individual Name on File
Mailing Address	115 CENTRO ST, CHATTANOOGA, TN 37419-1703
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Mar 18, 2011
Last Transfer Date	Jul 17, 2020
Transfer Doc	0717000205
Record Updated	Jun 8, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 17, 2020
Property Address	115 CENTRO ST, CHATTANOOGA, TN 37419-1703
Document Number	0717000205
Book / Page	012078 / 000343
Instrument Date	Jul 10, 2020
Instrument	200717000205
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 E 35TH STREET PL CHATTANOOGA TN 374072404, CHATTANOOGA, TN 37407-2404

Tax Assessment & Valuation

The 2025 property tax bill for 115 Centro St was $1,029, up 14% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

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	$1,029.00 (+13.95%)	$67,950 (+68.19%)	$271,800 (+68.19%) Land $57,500 Building $214,300
2024	$903.00	$40,400 (-)	$161,600 (-) Land $28,800 Building $132,800
2023	$903.00	$40,400 (-)	$161,600 (-) Land $28,800 Building $132,800
2022	$903.00	$40,400	$161,600 Land $28,800 Building $132,800

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

Flood

FEMA maps place 115 Centro St in Zone X, an area of moderate flood risk, though there have been 14 flood claims nearby since 1984.

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
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	Severe Storms, Tornadoes, And Flooding, May 2003 · 4 claims

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

Wildfire risk around 115 Centro St is low, with a 0.04% annual chance of wildfire.

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.

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 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