Hamilton County property record for 1704 E 12th St, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,567 sqft · built 1930 |
| Lot Size | 0.152 acres (6,625 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Aug 2022) |
| Tax Bill | $634 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146O Q 002 |
| Primary APN | 146O Q 002 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,567 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,625 sqft (0.152 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000077390 |
|---|---|
| Street Address | 1704 E 12TH ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-4302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 3 BLK 23 MONTAGUES ADDN NO 4 PB 8 PG 25 |
| Legal Subdivision | MONTAGUES ADDN NO 4 |
| Legal Block | 23 |
| Legal Lot Number | 3 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2034 |
| 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.
1704 E 12th St is owned by two individuals who bought it in August 2022.
Source: Hamilton County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8202 APISON PIKE, 5, OOLTEWAH, TN 37363-8402 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SERVICELINK |
| Sep 10, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Aug 18, 2022 | Warranty Deed, Transfer FIRST CHOICE TITLE, FIRST CHOICE TITLE INC |
| Oct 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VLY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2022 · Amount on File |
| Deed Sale | Aug 18, 2022 · Amount on File |
| Deed Document Number | 2022181 |
| Deed Book / Page | 13062 / 752 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 15, 2026 |
| Property Address | 1704 E 12TH ST, CHATTANOOGA, TN 37404-4302 |
| Document Number | 0000000029 |
| Book / Page | 14299 / 213 |
| Instrument Date | May 11, 2026 |
| Instrument | 202629 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1011 RIVER BEND RD, CHATTANOOGA, TN 37419-1027 |
| Document Number | 0000000029, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 14299/213 |
| Instrument | 202629 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 10, 2025 |
| Property Address | 1704 E 12TH ST, CHATTANOOGA, TN 37404-4302 |
| Document Number | 0000000036 |
| Book / Page | 14039 / 821 |
| Map Reference | MB 3 PG 18 |
| Instrument Date | Aug 15, 2025 |
| Instrument | 2025091000036 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 12 N CREST RD, CHATTANOOGA, TN 37404-1827 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 18, 2022 |
| Property Address | 1704 E 12TH ST, CHATTANOOGA, TN 37404-4302 |
| Document Number | 0000000181 |
| Book / Page | 13062 / 752 |
| Map Reference | MB 8 PG 25 |
| Instrument Date | Aug 15, 2022 |
| Instrument | 2022081800181 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | FIRST CHOICE TITLE, FIRST CHOICE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $666.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6405 JOHNSON CHAPEL RD W, BRENTWOOD, TN 37027-5654 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1704 E 12TH ST, CHATTANOOGA, TN 37404-4302 |
| Document Number | 1103000192 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 1704 E 12TH ST CHATTANOOGA TN 374044302, CHATTANOOGA, TN 37404-4302 |
| Document Number | 1103000192 |
|---|---|
| Date | Nov 3, 2020 |
| Book Page | 012217/000145 |
| Instrument | 201103000192 |
| Name | TENNESSEE VLY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 2, 2050 |
The 2025 property tax bill for 1704 E 12th St was $634, up 3.4% from the year before.
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 | $634.00 (+3.43%) | $41,850 (+52.6%) | $167,400 (+52.6%) Land $70,000 Building $97,400 |
| 2024 | $613.00 | $27,425 (-) | $109,700 (-) Land $40,000 Building $69,700 |
| 2023 | $613.00 | $27,425 (-) | $109,700 (-) Land $40,000 Building $69,700 |
| 2022 | $613.00 | $27,425 | $109,700 Land $40,000 Building $69,700 |
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.
FEMA maps place 1704 E 12th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1994.
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 | 2 (1994–2012) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2012 · 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.
The area around 1704 E 12th St has no burnable land within ember reach, so its wildfire risk is not rated.
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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