115 S Saint Marks Ave, Chattanooga, TN 37411 Property Records

Hamilton County property record for 115 S Saint Marks Ave, Chattanooga, TN 37411

Property Summary

Property Type	Duplex
Details	3 ba · 1,450 sqft · built 1960
Lot Size	0.289 acres (12,600 sqft)
Owner	Company Name on Record
Last Sale	$79,000 (Feb 2021)
Tax Bill	$1,360 (2025)
Deeds & Mortgages	Feb 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`157N A 028`

Property Details

APN / Parcel Number

Primary APN	`157N A 028`
Alternative APN	`0000097742`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,450 sqft Total Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1970
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	12,600 sqft (0.289 acres)
Lot Dimensions	168 ft deep x 75 ft wide

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Sewer	Connected

Location & Zoning

Account Number	0000097742
Street Address	115 S SAINT MARKS AVE
City	CHATTANOOGA
State	TN
Zip	37411-4860
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	LT 33 & PT 32 BLK 6 HAMILTON PLACE S/D PB 8 PG 35
Legal Subdivision	HAMILTON PLACE
Legal Block	6
Legal Lot Number	33
Jurisdiction	HAMILTON TN
Township / Civil Division	5
Census Block Group	3
Census Block	3009
Census Tract	3000

Owner

Source: Hamilton County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	13701 W JEWELL AVE, 200-28, LAKEWOOD, CO 80228-6033
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2021 · Amount on Record
Deed Sale	Feb 23, 2021 · Amount on Record
Deed Document Number	20219
Deed Book / Page	12364 / 948
Prior Transfer Date	Jul 5, 2013
Prior Transfer Doc	0000000092
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 23, 2021
Property Address	115 S SAINT MARKS AVE, CHATTANOOGA, TN 37411-4860
Document Number	0000000009
Book / Page	12364 / 948
Map Reference	MB 8 PG 35
Instrument Date	Feb 19, 2021
Instrument	2021022300009
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$292.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13701 W JEWELL AVE STE 200, 200, LAKEWOOD, CO 80228-6033
Investor	Possibly a Property Investor

Mortgage

Document Number	0012364951
Date	Feb 23, 2021
Instrument	12364/951

Lender

Name	ZEPHYR INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	7 Months
Due	Sep 1, 2021

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

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	$1,360.00 (+64.65%)	$89,760 (+142.86%)	$224,400 (+142.86%) Land $49,500 Building $174,900
2024	$826.00	$36,960 (-)	$92,400 (-) Land $33,000 Building $59,400
2023	$826.00	$36,960 (-)	$92,400 (-) Land $33,000 Building $59,400
2022	$826.00	$36,960	$92,400 Land $33,000 Building $59,400

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.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

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 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