Hamilton County property record for 1516 E 12th St, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,150 sqft · built 2018 |
| Lot Size | 0.096 acres (4,212 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $354,500 (Jan 2025) |
| Tax Bill | $1,341 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage Jan 2025 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146O G 020 |
| Primary APN | 146O G 020 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,150 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,212 sqft (0.096 acres) |
| Lot Dimensions | 126 ft deep x 33.3 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000077192 |
|---|---|
| Street Address | 1516 E 12TH ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-4201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | PT LT 7 BLK 19 MRS I W HENDERSONS ADDN PB2 PG46 |
| Legal Subdivision | HENDERSONS I W |
| Legal Block | 19 |
| Legal Lot Number | 7 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 1400 |
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 15, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1516 E 12TH ST, CHATTANOOGA, TN 37404-4201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jan 24, 2025 | Warranty Deed, Transfer BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC |
| Jul 28, 2021 | Warranty Deed, Transfer · FHA Mortgage PRIMELENDING |
| Aug 6, 2018 | Warranty Deed, Subdivision Related Transfer BANCORPSOUTH |
| Feb 12, 2018 | Trustee's Deed, Construction Loan · Line of Credit FIRST VOLUNTEER BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2025 · Amount on Record |
| Deed Sale | Jan 24, 2025 · Amount on Record |
| Prior Sale | Jul 28, 2021 · Amount on Record |
| Deed Document Number | 2025012400105 |
| Deed Book / Page | 13820 / 465 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1516 E 12TH ST, CHATTANOOGA, TN 37404-4201 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000000007 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 13513/740 |
| Instrument | 2024021600007 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 11, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 24, 2025 |
| Property Address | 1516 E 12TH ST, CHATTANOOGA, TN 37404-4201 |
| Document Number | 0000000105 |
| Book / Page | 13820 / 465 |
| Map Reference | MB 3 PG 18 |
| Instrument Date | Jan 22, 2025 |
| Instrument | 2025012400105 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Title Company | BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,311.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1516 E 12TH ST, CHATTANOOGA, TN 37404-4201 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 28, 2021 |
| Property Address | 1516 E 12TH ST, CHATTANOOGA, TN 37404-4201 |
| Document Number | 0000000179 |
| Book / Page | 12586 / 253 |
| Map Reference | MB 3 PG 18 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 2021072800179 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Title Company | ALTA TITLE AND ESCROW, REALTY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,054.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1516 E 12TH ST, CHATTANOOGA, TN 37404-4201 |
| Investor | Possibly a Property Investor |
| Document Number | 0012586256 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 12586/256 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 6, 2018 |
| Property Address | 1516 E 12TH ST, CHATTANOOGA, TN 37404-4201 |
| Document Number | 0806000175 |
| Book / Page | 011419 / 000681 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 180806000175 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 20, 2018 |
| Title Company | TITLE GUARANTY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $814.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1516 E 12TH ST CHATTANOOGA TN 37404, CHATTANOOGA, TN 37404 |
| Document Number | 806000176 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | 011419/000683 |
| Instrument | 180806000176 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-3356 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 5, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 12, 2018 |
| Property Address | 1516 E 12TH ST, CHATTANOOGA, TN 37404-4201 |
| Book / Page | 011268 / 000706 |
| Instrument Date | Jan 30, 2018 |
| Instrument | 13 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2520 E 14TH ST CHATTANOOGA TN 374044625, CHATTANOOGA, TN 37404-4625 |
| Document Number | 0000000013 |
|---|---|
| Date | Feb 12, 2018 |
| Book Page | 011268/000706 |
| Instrument | 13 |
| Name | FIRST VOLUNTEER BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 11, 2019 |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $1,341.00 (+5.51%) | $88,525 (+55.79%) | $354,100 (+55.79%) Land $59,500 Building $294,600 |
| 2024 | $1,271.00 | $56,825 (-) | $227,300 (-) Land $34,000 Building $193,300 |
| 2023 | $1,271.00 | $56,825 (-) | $227,300 (-) Land $34,000 Building $193,300 |
| 2022 | $1,271.00 | $56,825 | $227,300 Land $34,000 Building $193,300 |
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.
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 | 3 (1990–1997) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 1997 · 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.
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.
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 568 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 |
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