Hamilton County property record for 123 Dower Rd, Chattanooga, TN 37419
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,420 sqft · built 1940 |
| Lot Size | 0.312 acres (13,620 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $70,000 (Aug 2004) |
| Tax Bill | $1,379 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2024 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144O A 027 |
| Primary APN | 144O A 027 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,420 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,620 sqft (0.312 acres) |
| Lot Dimensions | 149 ft deep x 91.4 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000069678 |
|---|---|
| Street Address | 123 DOWER RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37419-1626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 2 JACK DOWNER PB 74 PG 199 REV PB 129 PG 48 |
| Legal Subdivision | TIFTONIA SEC NO 2 |
| Legal Lot Number | 2 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 4 |
| Census Block | 4001 |
| 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.
Source: Hamilton County records, as of March 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 123 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2022 | Deed of Trust, Mortgage · Non-Conforming Investor Loan UNLOCK PARTNERSHIP SOLUTIONS INC |
| Apr 8, 2024 | Quit Claim Deed, Transfer TITLE GUARANTY, TITLE GUARANTY AND TRUST CO |
| Jan 18, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2004 · Amount on Record |
| Deed Sale | Aug 12, 2004 · Amount on Record |
| Deed Document Number | 2004109 |
| Deed Book / Page | 7236 / 94 |
| Last Transfer Date | Apr 5, 2024 |
| Transfer Doc | 0000000183 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 123 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000034 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | 12886/354 |
| Instrument | 2022031800034 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | NEW YORK, NY 10016 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 8, 2024 |
| Property Address | 123 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Document Number | 0000000183 |
| Book / Page | 13558 / 893 |
| Map Reference | MB 74 PG 199 |
| Instrument Date | Apr 5, 2024 |
| Instrument | 2024040800183 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY AND TRUST CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 18, 2022 |
| Property Address | 123 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Document Number | 0000000454 |
| Book / Page | 12814 / 434 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 2022011800454 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2618 CHIMNET HILLS DRIVE, SODDY DAISY, TN 37379 |
| Name | Verified Name |
|---|---|
| Address | 123 DOWER RD, CHATTANOOGA, TN 37419-1626 |
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 | $1,379.00 (+18.27%) | $91,000 (+74.5%) | $364,000 (+74.5%) Land $70,000 Building $294,000 |
| 2024 | $1,166.00 (+3.74%) | $52,150 (+3.73%) | $208,600 (+3.73%) Land $42,000 Building $166,600 |
| 2023 | $1,124.00 | $50,275 (-) | $201,100 (-) Land $34,500 Building $166,600 |
| 2022 | $1,124.00 | $50,275 | $201,100 Land $34,500 Building $166,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 32 (1980–2015) |
| Claims Outside the SFHA | 1 of 32 |
| Most Recent Claim | Dec 2015 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 64% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 3 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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