1305 Bailey Ave, Chattanooga, TN 37404 Property Records

Hamilton County property record for 1305 Bailey Ave, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,852 sqft · built 1915
Lot Size	0.148 acres (6,480 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (May 2026)
Tax Bill	$1,106 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146J B 022`

Property Details

APN / Parcel Number

Primary APN	`146J B 022`
Alternative APN	`0000074893`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,852 sqft Living Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1970
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,480 sqft (0.148 acres)
Lot Dimensions	135 ft deep x 48 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000074893
Street Address	1305 BAILEY AVE
City	CHATTANOOGA
State	TN
Zip	37404-2902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 12 BLK 3 HIGHLAND PARK ADDN NO 1 PB 1 PG 23
Legal Subdivision	HIGHLAND PARK ADDN N
Legal Block	3
Legal Lot Number	12
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	2
Census Block	2017
Census Tract	1100

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

1305 Bailey Ave is owned and occupied by two individuals who bought it in May 2026.

Source: Hamilton County records, as of May 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1305 BAILEY AVE, CHATTANOOGA, TN 37404-2902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2026 · Amount on File
Deed Sale	May 12, 2026 · Amount on File
Prior Sale	Nov 10, 2005 · Amount on File
Deed Document Number	202648
Deed Book / Page	14294 / 912
Prior Transfer Date	Jan 14, 2016
Prior Transfer Doc	0000000203
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 12, 2026
Property Address	1305 BAILEY AVE, CHATTANOOGA, TN 37404-2902
Document Number	0000000048
Book / Page	14294 / 912
Instrument Date	May 8, 2026
Instrument	2026.48
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	BRICK CITY TITLE, BRIDGE CITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$211,140.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 BAILEY AVE, CHATTANOOGA, TN 37404-2902

Mortgage

Document Number	0000000049,
Date	May 12, 2026
Instrument	2026.12.49

Lender

Name	HIGHLANDS RESID'L MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1305 Bailey Ave was $1,106, up 3.7% from the year before.

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	$1,106.00 (+3.66%)	$72,975 (+52.99%)	$291,900 (+52.99%) Land $70,000 Building $221,900
2024	$1,067.00	$47,700 (-)	$190,800 (-) Land $50,000 Building $140,800
2023	$1,067.00	$47,700 (-)	$190,800 (-) Land $50,000 Building $140,800
2022	$1,067.00	$47,700	$190,800 Land $50,000 Building $140,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1305 Bailey Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	1 in force
Nearby Flood Claims	2 (1978–1981)
Most Recent Claim	Sep 1981 · 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

The area around 1305 Bailey Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 180 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20