185 E 20th St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 185 E 20th St, Chattanooga, TN 37408

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,062 sqft · built 2023
Lot Size	0.114 acres (4,990 sqft)
Owner	Company Name on Record
Last Sale	$289,900 (Jul 2023)
Tax Bill	$1,789 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jul 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`145M F 014 C114`

Property Details

APN / Parcel Number

Primary APN	`145M F 014 C114`
Alternative APN	`0000391508`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,062 sqft Living Area
Gross Area	2,784 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,990 sqft (0.114 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000391508
Street Address	185 E 20TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2618
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	C1
Legal Description	LT 9 UNIT 58 SOUTHSIDE SQUARE SUB PB 122 PG 24 OUT OF 145M F 006 FOR 2022
Legal Subdivision	WALSH ANTHONY
Legal Lot Number	9
Legal Unit	58
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1089
Census Tract	2000

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 March 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3660 WILLOW LAKE CIR, CHATTANOOGA, TN 37419-1459
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Quit Claim Deed, Transfer · Commercial Mortgage WILSON BANK & TRUST
Jul 24, 2023	Warranty Deed, Subdivision Related Transfer TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2023 · Amount on Record
Deed Sale	Jul 24, 2023 · Amount on Record
Deed Document Number	2023112
Deed Book / Page	13352 / 272
Last Transfer Date	Aug 24, 2023
Transfer Doc	0000000080
Record Updated	Sep 20, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 30, 2023
Property Address	185 E 20TH ST, CHATTANOOGA, TN 37408-2618
Document Number	0000000080
Book / Page	13386 / 397
Map Reference	MB 13112 PG 1
Instrument Date	Aug 24, 2023
Instrument	2023083000080
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3660 WILLOW LAKE CIR, CHATTANOOGA, TN 37419-1459

Mortgage

Document Number	0000000081
Date	Aug 30, 2023
Instrument	2023083000081

Lender

Name	WILSON BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 5, 2043

July 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 24, 2023
Property Address	185 E 20TH ST, CHATTANOOGA, TN 37408-2618
Document Number	0000000112
Book / Page	13352 / 272
Map Reference	MB 13112 PG 1
Instrument Date	Jul 21, 2023
Instrument	2023072400112
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Tax	$1,072.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3660 WILLOW LAKE CIR, CHATTANOOGA, TN 37419-1459
Investor	Possibly a Property Investor

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	$1,789.00 (+48.84%)	$118,040 (+119.61%)	$295,100 (+37.26%) Land $90,000 Building $205,100
2024	$1,202.00 (+34%)	$53,750 (+33.96%)	$215,000 (+33.96%) Land $50,000 Building $165,000
2023	$897.00 (+221.51%)	$40,125 (+221%)	$160,500 (+221%) Land $50,000 Building $110,500
2022	$279.00	$12,500	$50,000 Land $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1978–2000)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Apr 2000 · 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 323 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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