1811 E 28th St, Chattanooga, TN 37407 Property Records

Hamilton County property record for 1811 E 28th St, Chattanooga, TN 37407

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,310 sqft · built 1911
Lot Size	0.309 acres (13,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$345 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`156I J 020`

Property Details

APN / Parcel Number

Primary APN	`156I J 020`
Alternative APN	`0000092565`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,310 sqft Living Area

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1970
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,500 sqft (0.309 acres)
Lot Dimensions	135 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000092565
Street Address	1811 E 28TH ST
City	CHATTANOOGA
State	TN
Zip	37407-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	0133 09 15 LOT 228 & 229 FOUST LAND CO ADDN PB 6 PG 35
Legal Subdivision	FOUST LAND CO ADDN
Legal Lot Number	228,229
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	2
Census Block	2031
Census Tract	2500

Historic Designation

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.

Owner

Source: Hamilton County records, as of January 2, 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	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 21, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 27, 2017	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 8, 2003
Transfer Doc	0000687659
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Apr 20, 2026
Property Address	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046
Document Number	0000000218
Book / Page	14268 / 395
Instrument Date	Apr 13, 2026
Instrument	2026218
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046

Mortgage

Document Number	0000000218,
Date	Apr 20, 2026
Book Page	14268/395
Instrument	2026218

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Sep 18, 2026
Property Address	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046
Document Number	0000000319
Book / Page	14443 / 583
Instrument Date	Apr 13, 2026
Instrument	2026319
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046

Mortgage

Document Number	0000000319,
Date	Sep 18, 2026
Book Page	14443/583
Instrument	2026319

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Max Rate	-1%

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000036
Date	Aug 21, 2025
Book Page	14020/430
Instrument	2025082100036

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2040

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Oct 19, 2021
Property Address	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046
Document Number	0000000004
Book / Page	12696 / 219
Map Reference	MB 6 PG 35
Instrument Date	Oct 12, 2021
Instrument	2021101900004
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046

Mortgage

Document Number	0012696226
Date	Oct 19, 2021
Instrument	12696/226

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	1811 E 28TH ST, CHATTANOOGA, TN 37407-1046
Document Number	0000000162
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 E 28TH ST CHATTANOOGA TN 374071046, CHATTANOOGA, TN 37407-1046

Mortgage

Document Number	0000000162
Date	May 25, 2017
Book Page	011058/000952
Instrument	162

Lender

Name	SUNTRUST BK
Type	Bank
Address	NASHVILLE, TN 37230-5053

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 24, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$345.00 (+34.24%)	$22,825 (+98.48%)	$91,300 (+98.48%) Land $37,500 Building $53,800
2024	$257.00	$11,500 (-)	$46,000 (-) Land $12,500 Building $33,500
2023	$257.00	$11,500 (-)	$46,000 (-) Land $12,500 Building $33,500
2022	$257.00	$11,500	$46,000 Land $12,500 Building $33,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force

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	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 188 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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