1902 E 12th St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 1902 E 12th St, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,010 sqft · built 1930
Lot Size	0.146 acres (6,375 sqft)
Owner	Individual Name on File
Last Sale	$266,400 (Apr 2026)
Tax Bill	$508 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146O S 008`

Property Details

APN / Parcel Number

Primary APN	`146O S 008`
Alternative APN	`0000077449`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,010 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1976
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,375 sqft (0.146 acres)
Lot Dimensions	127 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000077449
Street Address	1902 E 12TH ST
City	CHATTANOOGA
State	TN
Zip	37404-4401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 11 BLK 27 BERRYS AMENDED ADDN PB5 PG28
Legal Subdivision	BERRYS AMENDED ADDN
Legal Block	27
Legal Lot Number	11
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	2
Census Block	2032
Census Tract	1400

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 assessment roll, 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	Individual Name on File
Mailing Address	1902 E 12TH ST, CHATTANOOGA, TN 37404-4401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST COLONY MORTGAGE CORPORATION
Jul 15, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 15, 2026 · Amount on Record
Deed Sale	Apr 15, 2026 · Amount on Record
Prior Sale	Jul 15, 2020 · Amount on Record
Deed Document Number	20260415163
Deed Book / Page	14264 / 31
Record Updated	Jun 8, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 15, 2026
Property Address	1902 E 12TH ST, CHATTANOOGA, TN 37404-4401
Document Number	0000000163
Book / Page	14264 / 31
Instrument Date	Apr 14, 2026
Instrument	2026.163
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	BRICK CITY TITLE, BRIDGE CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$99,553.68
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 E 12TH ST, CHATTANOOGA, TN 37404-4401

Mortgage

Document Number	0000000164,
Date	Apr 15, 2026
Book Page	14264/35
Instrument	2026.04.15.164

Lender

Name	FIRST COLONY MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 15, 2020
Property Address	1902 E 12TH ST, CHATTANOOGA, TN 37404-4401
Document Number	0715000254
Book / Page	012074 / 000614
Instrument Date	Jul 15, 2020
Instrument	200715000254
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	CUMBERLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 E 12TH ST CHATTANOOGA TN 374044401, CHATTANOOGA, TN 37404-4401

Mortgage

Document Number	715000255
Date	Jul 15, 2020
Book Page	012074/000617
Instrument	200715000255

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

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	$508.00 (-28.65%)	$33,525 (+5.26%)	$134,100 (+5.26%) Land $70,000 Building $64,100
2024	$712.00	$31,850 (-)	$127,400 (-) Land $40,000 Building $87,400
2023	$712.00	$31,850 (-)	$127,400 (-) Land $40,000 Building $87,400
2022	$712.00	$31,850	$127,400 Land $40,000 Building $87,400

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Electric Power Board of Chattanooga, Tennessee Fiber	100,000 / 100,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

1902 E 12th St, Chattanooga, TN 37404 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E 12th St

Nearby Streets

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