Hamilton County property record for 159 Gardner St, Chattanooga, TN 37411
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,592 sqft · built 1928 |
| Lot Size | 0.591 acres (25,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Nov 2024) |
| Tax Bill | $1,678 (2025) |
| Deeds & Mortgages | Jun 2022 Reverse Mortgage Nov 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 157H L 010 |
| Primary APN | 157H L 010 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,592 sqft Living Area |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 25,750 sqft (0.591 acres) |
| Lot Dimensions | 250 ft deep x 103 ft wide |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000096440 |
|---|---|
| Street Address | 159 GARDNER ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37411-4500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 41 BELVOIR HEIGHTS AMENDED PB8 PG19 |
| Legal Subdivision | BELVOIR HEIGHTS AMEN |
| Legal Lot Number | 41 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 2800 |
Source: Hamilton County records, as of October 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 Record |
|---|---|
| Mailing Address | 159 GARDNER ST, CHATTANOOGA, TN 37411-4500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 10, 2022 | Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC |
| Nov 21, 2024 | Warranty Deed, Transfer · Conventional Mortgage ALLY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2024 · Amount on Record |
| Deed Sale | Nov 21, 2024 · Amount on Record |
| Deed Document Number | 2024201 |
| Deed Book / Page | 13768 / 81 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 159 GARDNER ST, CHATTANOOGA, TN 37411-4500 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | FIRST TITLE |
| Name | Verified Name |
|---|---|
| Address | 159 GARDNER ST, CHATTANOOGA, TN 37411-4500 |
| Document Number | 0000000133 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 12989/230 |
| Instrument | 2022061000133 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | MENDHAM, NJ 07945 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 865 Months |
| Due | Jul 16, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.27% |
| Type Change Date | Aug 2, 2025 |
| Change Frequency | Annually |
| Index | Other |
| Max Rate | 9.27% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 21, 2024 |
| Property Address | 159 GARDNER ST, CHATTANOOGA, TN 37411-4500 |
| Document Number | 0000000201 |
| Book / Page | 13768 / 81 |
| Map Reference | MB 8 PG 19 |
| Instrument Date | Nov 18, 2024 |
| Instrument | 2024112100201 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,609.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 159 GARDNER STREET, CHARLOTTE, NC 28202 |
| Document Number | 0000000202 |
|---|---|
| Date | Nov 21, 2024 |
| Instrument | 2024112100202 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2054 |
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 | $1,678.00 (+37.32%) | $110,750 (+102.75%) | $443,000 (+102.75%) Land $51,800 Building $391,200 |
| 2024 | $1,222.00 | $54,625 (-) | $218,500 (-) Land $28,800 Building $189,700 |
| 2023 | $1,222.00 | $54,625 (-) | $218,500 (-) Land $28,800 Building $189,700 |
| 2022 | $1,222.00 | $54,625 | $218,500 Land $28,800 Building $189,700 |
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 | 5 (1980–2020) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
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 | Low lower than 94% of the US · lower than 94% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 318 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 · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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