Hamilton County property record for 1610 E 12th St, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,614 sqft · built 2020 |
| Lot Size | 0.145 acres (6,325 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $414,500 (Apr 2026) |
| Tax Bill | $1,542 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146O G 027 |
| Primary APN | 146O G 027 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,614 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,325 sqft (0.145 acres) |
| Lot Dimensions | 126 ft deep x 50 ft wide |
| Sewer | Connected |
|---|
| Account Number | 0000077199 |
|---|---|
| Street Address | 1610 E 12TH ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-4354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 6 BLK 21 MRS I W HENDERSONS ADDN PB 2 PG 46 |
| Legal Subdivision | HENDERSONS I W |
| Legal Block | 21 |
| Legal Lot Number | 6 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1055 |
| 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 April 15, 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 | 1610 E 12TH ST, CHATTANOOGA, TN 37404-4354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Apr 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Aug 10, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI NEW AMERICAN FNDG |
| Dec 27, 2019 | Warranty Deed, Transfer KELTY TITLE AND ESCROW SERVICES INC, REALTY TITLE & ESCROW SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2026 · Amount on Record |
| Deed Sale | Apr 7, 2026 · Amount on Record |
| Prior Sale | Aug 10, 2020 · Amount on Record |
| Deed Document Number | 2026174 |
| Deed Book / Page | 14254 / 924 |
| Prior Transfer Date | Aug 14, 2013 |
| Prior Transfer Doc | 0000000106 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 7, 2026 |
| Property Address | 1610 E 12TH ST, CHATTANOOGA, TN 37404-4354 |
| Document Number | 0000000174 |
| Book / Page | 14254 / 924 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 2026174 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | REALITY TITLE, REALTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $154,898.65 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1610 E 12TH ST, CHATTANOOGA, TN 37404-4354 |
| Document Number | 0000000175, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 20267175 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 10, 2020 |
| Property Address | 1610 E 12TH ST, CHATTANOOGA, TN 37404-4354 |
| Document Number | 0810000264 |
| Book / Page | 012107 / 000593 |
| Instrument Date | Aug 6, 2020 |
| Instrument | 200810000264 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 17, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,036.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1610 E 12TH ST CHATTANOOGA TN 374044354, CHATTANOOGA, TN 37404-4354 |
| Document Number | 810000265 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 012107/000596 |
| Instrument | 200810000265 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 27, 2019 |
| Property Address | 1610 E 12TH ST, CHATTANOOGA, TN 37404-4354 |
| Document Number | 1227000088 |
| Book / Page | 011861 / 000275 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 191227000088 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2020 |
| Title Company | KELTY TITLE AND ESCROW SERVICES INC, REALTY TITLE & ESCROW SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $157.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 685 LAKE FOREST IL 600450685, LAKE FOREST, IL 60045-0685 |
| Investor | Possibly a Property Investor |
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 | $1,542.00 (-0.26%) | $101,800 (+47.27%) | $407,200 (+47.27%) Land $70,000 Building $337,200 |
| 2024 | $1,546.00 | $69,125 (-) | $276,500 (-) Land $40,000 Building $236,500 |
| 2023 | $1,546.00 | $69,125 (-) | $276,500 (-) Land $40,000 Building $236,500 |
| 2022 | $1,546.00 | $69,125 | $276,500 Land $40,000 Building $236,500 |
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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