Hamilton County property record for 116 Centro St, Chattanooga, TN 37419
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,288 sqft · built 1948 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Dec 2024) |
| Tax Bill | $796 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Dec 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 154C A 020 |
| Primary APN | 154C A 020 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000087415 |
|---|---|
| Street Address | 116 CENTRO ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37419-1704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 26 P F FRYARS PB 18 PG 28 |
| Legal Subdivision | FRYARS |
| Legal Lot Number | 26 |
| 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.
116 Centro St is owned and occupied by two individuals who bought it in December 2024.
Source: Hamilton County records, as of March 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 116 CENTRO ST, CHATTANOOGA, TN 37419-1704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| May 22, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage FIRSTBANK |
| Dec 11, 2024 | Warranty Deed, Transfer CORNERSTONE TITLE OF TENNESSEE LLC |
| Sep 8, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2024 · Amount on File |
| Deed Sale | Dec 11, 2024 · Amount on File |
| Deed Document Number | 202493 |
| Deed Book / Page | 13785 / 923 |
| Prior Transfer Date | Sep 1, 2023 |
| Prior Transfer Doc | 0000000080 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 22, 2025 |
| Property Address | 116 CENTRO ST, CHATTANOOGA, TN 37419-1704 |
| Document Number | 0000000127 |
| Book / Page | 13929 / 723 |
| Map Reference | MB 18 PG 28 |
| Instrument Date | May 19, 2025 |
| Instrument | 2025052200127 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CORNERSTONE TITLE GROUPE LLC, CORNERSTONE TITLE OF TN LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 116 CENTRO ST, CHATTANOOGA, TN 37419-1704 |
| Document Number | 0013929726 |
|---|---|
| Date | May 22, 2025 |
| Instrument | 13929/726 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 11, 2024 |
| Property Address | 116 CENTRO ST, CHATTANOOGA, TN 37419-1704 |
| Document Number | 0000000093 |
| Book / Page | 13785 / 923 |
| Map Reference | MB 18 PG 28 |
| Instrument Date | Dec 6, 2024 |
| Instrument | 2024121100093 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CORNERSTONE TITLE GROUPE LLC, CORNERSTONE TITLE OF TN LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $703.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 116 CENTRO ST, CHATTANOOGA, TN 37419-1704 |
| Document Number | 0000000094 |
|---|---|
| Date | Dec 11, 2024 |
| Instrument | 2024121100094 |
| Name | CORNERSTONE TITLE OF TENNESSEE LLC |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 8, 2023 |
| Property Address | 116 CENTRO ST, CHATTANOOGA, TN 37419-1704 |
| Document Number | 0000000080 |
| Book / Page | 13394 / 576 |
| Map Reference | MB 18 PG 28 |
| Instrument Date | Sep 7, 2023 |
| Instrument | 2023090800080 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 116 CENTRO ST, CHATTANOOGA, TN 37419-1704 |
The 2025 property tax bill for 116 Centro St was $796, up 18.5% 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 | $796.00 (+18.45%) | $52,550 (+74.73%) | $210,200 (+74.73%) Land $57,500 Building $152,700 |
| 2024 | $672.00 | $30,075 (-) | $120,300 (-) Land $28,800 Building $91,500 |
| 2023 | $672.00 | $30,075 (-) | $120,300 (-) Land $28,800 Building $91,500 |
| 2022 | $672.00 | $30,075 | $120,300 Land $28,800 Building $91,500 |
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.
FEMA maps place 116 Centro St in Zone X, an area of minimal 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 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.
Wildfire risk around 116 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.
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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