1600 Prater Rd, Chattanooga, TN 37412 Property Records

Hamilton County property record for 1600 Prater Rd, Chattanooga, TN 37412

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,366 sqft · built 1947
Lot Size	0.206 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Dec 2020)
Tax Bill	$1,132 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169M B 011`

Property Details

APN / Parcel Number

Primary APN	`169M B 011`
Alternative APN	`0000115690`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,366 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1978
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000115690
Street Address	1600 PRATER RD
City	CHATTANOOGA
State	TN
Zip	37412-3826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 1 BLK B CASTLE PARK ADDN PB 15 PG 50
Legal Subdivision	CASTLE PARK ADDITION
Legal Block	B
Legal Lot Number	1
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	4
Census Block	4010
Census Tract	11600

Owner

Source: Hamilton County records, as of April 7, 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	1600 PRATER RD, CHATTANOOGA, TN 37412-3826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Dec 16, 2020	Warranty Deed, Transfer · Conventional Mortgage REGIONS MTG
Oct 26, 2018	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	2020246
Deed Book / Page	12278 / 333
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1600 PRATER RD, CHATTANOOGA, TN 37412-3826
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 PRATER RD, CHATTANOOGA, TN 37412-3826

Mortgage

Document Number	0000000045
Date	Mar 23, 2026
Book Page	14234/955
Instrument	2026032300045

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 5, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 16, 2020
Property Address	1600 PRATER RD, CHATTANOOGA, TN 37412-3826
Document Number	1216000024
Book / Page	012278 / 000333
Instrument Date	Dec 14, 2020
Instrument	201216000024
Transaction Type	Transfer
Record Updated	Jan 13, 2021
Title Company	FIRST CHOICE, 1ST CHOICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$666.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1600 PRATER RD CHATTANOOGA TN 374123826, CHATTANOOGA, TN 37412-3826

Mortgage

Document Number	1216000247
Date	Dec 16, 2020
Book Page	012278/000335
Instrument	201216000247

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 26, 2018
Property Address	1600 PRATER RD, CHATTANOOGA, TN 37412-3826
Document Number	1026000158
Book / Page	011487 / 000766
Instrument Date	Oct 24, 2018
Instrument	181026000158
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	FILE FIRST CHOICE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1600 PRATER RD CHATTANOOGA TN 374123826, CHATTANOOGA, TN 37412-3826

Mortgage

Document Number	1026000159
Date	Oct 26, 2018
Book Page	011487/000769
Instrument	181026000159

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2048

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	East Ridge City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,132.00 (+10.44%)	$74,700 (+62.92%)	$298,800 (+62.92%) Land $50,000 Building $248,800
2024	$1,025.00 (-36.22%)	$45,850 (-)	$183,400 (-) Land $35,000 Building $148,400
2023	$1,607.00	$45,850 (-)	$183,400 (-) Land $35,000 Building $148,400
2022	$1,607.00	$45,850	$183,400 Land $35,000 Building $148,400

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	4 (2009–2025)
Most Recent Claim	Aug 2025 · 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.

Wildfire

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.

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 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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