Hamilton County property record for 149 Dower Rd, Chattanooga, TN 37419
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,320 sqft · built 2018 |
| Lot Size | 1.45 acres (63,162 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $600 (Mar 2001) |
| Tax Bill | $1,276 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Nov 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144O A 023 |
| Primary APN | 144O A 023 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Metal |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 63,162 sqft (1.45 acres) |
| Lot Dimensions | 330 ft deep x 192 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000069674 |
|---|---|
| Street Address | 149 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 1 ROBERT MASSENGALE SUB PB 64 PG 110 |
| Legal Subdivision | ROBERT MASSENGALE SUB |
| Legal Lot Number | 1 |
| 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 January 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 2234, CHATTANOOGA, TN 37409-0234 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2020 | Deed of Trust, Mortgage PINNACLE BK |
| Nov 30, 2018 | Deed of Trust, Mortgage PINNACLE BK |
| Jul 20, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage PINNACLE BK |
| Feb 15, 2018 | Warranty Deed, Construction Loan · Line of Credit PINNACLE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2001 · Amount on Record |
| Deed Sale | Mar 22, 2001 · Amount on Record |
| Prior Sale | Mar 22, 2001 · Amount on Record |
| Deed Document Number | 200195 |
| Deed Book / Page | 5810 / 726 |
| Prior Transfer Date | Apr 15, 1999 |
| Prior Transfer Doc | 0053810696 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 149 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Document Number | 0409000129 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC |
| Name | Verified Name |
|---|---|
| Address | 149 DOWER RD CHATTANOOGA TN 374191626, CHATTANOOGA, TN 37419-1626 |
| Document Number | 0409000129 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | 011965/000021 |
| Instrument | 200409000129 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 8, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 149 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Document Number | 1207000030 |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 149 DOWER RD CHATTANOOGA TN 37419, CHATTANOOGA, TN 37419 |
| Document Number | 1207000030 |
|---|---|
| Date | Dec 7, 2018 |
| Book Page | 011517/000629 |
| Instrument | 181207000030 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 6, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 20, 2018 |
| Property Address | 149 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Document Number | 0720000156 |
| Book / Page | 011405 / 000627 |
| Instrument Date | Jul 11, 2018 |
| Instrument | 180720000156 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 6, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 149 DOWER RD CHATTANOOGA TN 37419, CHATTANOOGA, TN 37419 |
| Document Number | 720000156 |
|---|---|
| Date | Jul 20, 2018 |
| Book Page | 011405/000627 |
| Instrument | 180720000156 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 19, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 15, 2018 |
| Property Address | 149 DOWER RD, CHATTANOOGA, TN 37419-1626 |
| Document Number | 0000000121 |
| Book / Page | 011272 / 000173 |
| Instrument Date | Feb 9, 2018 |
| Instrument | 121 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 31, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $675.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4502 ALAMMA AVE CHATTANOOGA TN 37409, CHATTANOOGA, TN 37409 |
| Document Number | 122 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 011272/000176 |
| Instrument | 122 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 14, 2019 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,276.00 (-3.55%) | $84,200 (+42.35%) | $336,800 (+42.35%) Land $70,000 Building $266,800 |
| 2024 | $1,323.00 | $59,150 (-) | $236,600 (-) Land $42,000 Building $194,600 |
| 2023 | $1,323.00 | $59,150 (-) | $236,600 (-) Land $42,000 Building $194,600 |
| 2022 | $1,323.00 | $59,150 | $236,600 Land $42,000 Building $194,600 |
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 45% of the US · above 62% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 190 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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