138 Dower Rd, Chattanooga, TN 37419 Property Records

Hamilton County property record for 138 Dower Rd, Chattanooga, TN 37419

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,979 sqft · built 1950
Lot Size	1.48 acres (64,519 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (May 2020)
Tax Bill	$1,079 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`154B B 005`

Property Details

APN / Parcel Number

Primary APN	`154B B 005`
Alternative APN	`0000087256`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,979 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1968
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	64,519 sqft (1.48 acres)
Lot Dimensions	347 ft deep x 185 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000087256
Street Address	138 DOWER RD
City	CHATTANOOGA
State	TN
Zip	37419-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3 FRYARS SUB PB37 PG237
Legal Subdivision	FRYARS
Legal Lot Number	3
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	4
Census Block	4005
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

Source: Hamilton County records, as of October 9, 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	138 DOWER RD, CHATTANOOGA, TN 37419-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2020 · Amount on Record
Deed Sale	May 13, 2020 · Amount on Record
Deed Document Number	2020200
Deed Book / Page	12000 / 598
Prior Transfer Date	Mar 13, 2020
Prior Transfer Doc	0513000200
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	May 13, 2020
Property Address	138 DOWER RD, CHATTANOOGA, TN 37419-1606
Document Number	0513000200
Book / Page	012000 / 000598
Instrument Date	Mar 13, 2020
Instrument	200513000200
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 DOWER RD CHATTANOOGA TN 374191606, CHATTANOOGA, TN 37419-1606

Mortgage

Document Number	514000020
Date	May 13, 2020
Book Page	012001/000184
Instrument	200514000020

Lender

Name	FRANCETTE G FRYAR
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	264 Months
Due	May 12, 2042

Tax Assessment & Valuation

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	$1,079.00 (+12.98%)	$71,225 (+66.71%)	$284,900 (+66.71%) Land $70,000 Building $214,900
2024	$955.00	$42,725 (-)	$170,900 (-) Land $42,000 Building $128,900
2023	$955.00	$42,725 (-)	$170,900 (-) Land $42,000 Building $128,900
2022	$955.00	$42,725	$170,900 Land $42,000 Building $128,900

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.

Flood

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	Severe Storms, Tornadoes, And Flooding, May 2003 · 3 claims Extensive Rainfall And Flash Flooding, Mar 1994 · 5 claims Severe Storms & Flooding, Feb 1990 · 3 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

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

Wildfire Risk	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.08% 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 130 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