Hamilton County property record for 118 Baker St, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,973 sqft · built 2017 |
| Lot Size | 0.242 acres (10,565 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,650,000 (Jul 2026) |
| Tax Bill | $6,592 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135E K 013 |
| Primary APN | 135E K 013 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,973 sqft Living Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,565 sqft (0.242 acres) |
| Lot Dimensions | 79 ft deep x 43 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000059976 |
|---|---|
| Street Address | 118 BAKER ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-4102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 6 MA GOWAN & COOK PB 2 PG 45 REV 101-65 |
| Legal Subdivision | M A GOWAN AND COOK SUBDIVISION |
| Legal Lot Number | 6 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 600 |
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.
118 Baker St is owned and occupied by two individuals who bought it in July 2026.
Source: Hamilton County records, as of July 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 BAKER ST, CHATTANOOGA, TN 37405-4102 |
| 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 |
|---|---|
| Jul 1, 2026 | Warranty Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY |
| Oct 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK |
| Jul 2, 2021 | Warranty Deed, Transfer · Conventional Mortgage UBS BANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on File |
| Deed Sale | Jul 1, 2026 · Amount on File |
| Prior Sale | Jul 2, 2021 · Amount on File |
| Deed Document Number | 2026254 |
| Deed Book / Page | 14354 / 938 |
| Prior Transfer Date | Apr 1, 1997 |
| Prior Transfer Doc | 0048710601 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 1, 2026 |
| Property Address | 118 BAKER ST, CHATTANOOGA, TN 37405-4102 |
| Document Number | 0000000254 |
| Book / Page | 14354 / 938 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 2026254 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2026 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY |
| Amount | Amount on Record |
|---|---|
| Tax | $990,305.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 BAKER ST, CHATTANOOGA, TN 37405-4102 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 118 BAKER ST, CHATTANOOGA, TN 37405-4102 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000222 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 11192/639 |
| Instrument | 2017103100222 |
| Name | PINNACLE BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 2, 2021 |
| Property Address | 118 BAKER ST, CHATTANOOGA, TN 37405-4102 |
| Document Number | 0000000225 |
| Book / Page | 12553 / 244 |
| Map Reference | MB 101 PG 65 |
| Instrument Date | Jul 1, 2021 |
| Instrument | 2021070200225 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,695.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 BAKER ST, CHATTANOOGA, TN 37405-4102 |
| Document Number | 0012553247 |
|---|---|
| Date | Jul 2, 2021 |
| Instrument | 12553/247 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 12.5% |
The 2025 property tax bill for 118 Baker St was $6,592, down 7.3% 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 | $6,592.00 (-7.26%) | $434,925 (+36.89%) | $1,739,700 (+36.89%) Land $405,000 Building $1,334,700 |
| 2024 | $7,108.00 | $317,725 (-) | $1,270,900 (-) Land $500,000 Building $770,900 |
| 2023 | $7,108.00 | $317,725 (-) | $1,270,900 (-) Land $500,000 Building $770,900 |
| 2022 | $7,108.00 | $317,725 | $1,270,900 Land $500,000 Building $770,900 |
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 118 Baker St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 30, 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 118 Baker St 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 98% of the US · lower than 98.3% 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 227 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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