132 Centro St, Chattanooga, TN 37419 Property Records

Hamilton County property record for 132 Centro St, Chattanooga, TN 37419

Property Summary

Property Type	Vacant Land
Lot Size	0.344 acres (15,000 sqft)
Owner	Owner Name on File
Tax Bill	$170 (2025)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`154C A 025`

Property Details

APN / Parcel Number

Primary APN	`154C A 025`

Exterior

Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	200 ft deep x 75 ft wide

Location & Zoning

Street Address	132 CENTRO ST
City	CHATTANOOGA
State	TN
Zip	37419-1704
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	R1
Legal Description	3315 03 23 LOT 33 P F FRYARS PB 18 PG 28
Legal Subdivision	FRYARS
Legal Lot Number	33
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3017
Census Tract	12100

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

The current owner of 132 Centro St acquired it in October 2012.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	Owner Name on File
Mailing Address	126 CENTRO ST, CHATTANOOGA, TN 37419-1704

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 17, 2012
Transfer Doc	0000000044
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	132 CENTRO ST, CHATTANOOGA, TN 37419-1704
Document Number	0723000151
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	CENTRO ST CHATTANOOGA TN 37419, CHATTANOOGA, TN 37419

Mortgage

Document Number	0723000151
Date	Jul 23, 2018
Book Page	011406/000750
Instrument	180723000151

Lender

Name	TOWER CMNTY BK
Address	JASPER, TN 37347

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 22, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 132 Centro St was $170, up 36% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

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	$170.00 (+36%)	$11,250 (+1%)	$45,000 (+1%) Land $45,000
2024	$125.00	$5,625 (-)	$22,500 (-) Land $22,500
2023	$125.00	$5,625 (-)	$22,500 (-) Land $22,500
2022	$125.00	$5,625	$22,500 Land $22,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 132 Centro St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Severe Storms, Tornadoes, And Flooding, May 2003 · 4 claims

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

Wildfire risk around 132 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 66% of the US · above 50% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 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