1904 Howell Mill Dr, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1904 Howell Mill Dr, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,468 sqft · built 1992
Lot Size	0.417 acres (18,172 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (May 2024)
Tax Bill	$1,163 (2025)
Deeds & Mortgages	Jan 2025 Mortgage May 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`159F B 017.04`

Property Details

APN / Parcel Number

Primary APN	`159F B 017.04`
Alternative APN	`0000130494`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,468 sqft Living Area

Exterior

Year Built	Built 1992
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,172 sqft (0.417 acres)
Lot Dimensions	236 ft deep x 77 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000130494
Old Parcel Number	159F B 01704
Street Address	1904 HOWELL MILL DR
City	CHATTANOOGA
State	TN
Zip	37421-3384
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 29 HOWELL MILL SUB PB48 PB283
Legal Subdivision	HOWELL MILL SUB
Legal Lot Number	29
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	3
Census Block	3000
Census Tract	11321

Owner

Source: Hamilton County records, as of December 31, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1904 HOWELL MILL DR, CHATTANOOGA, TN 37421-3384
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan CHATTANOOGA AREA SCHOOL FCU
May 23, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Nov 15, 2021	Warranty Deed, Transfer · FHA Mortgage INDEPENDENT BANK
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VLY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2024 · Amount on Record
Deed Sale	May 23, 2024 · Amount on Record
Prior Sale	Nov 15, 2021 · Amount on Record
Deed Document Number	2024052300166
Deed Book / Page	13600 / 484
Record Updated	Jun 8, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1904 HOWELL MILL DR, CHATTANOOGA, TN 37421-3384
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 HOWELL MILL DR, CHATTANOOGA, TN 37421-3384

Mortgage

Document Number	0000000068
Date	Jan 9, 2025
Book Page	13809/679
Instrument	2025010900068

Lender

Name	CHATTANOOGA AREA SCHOOL FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37404

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2055

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 23, 2024
Property Address	1904 HOWELL MILL DR, CHATTANOOGA, TN 37421-3384
Document Number	0000000166
Book / Page	13600 / 484
Instrument Date	May 21, 2024
Instrument	2024052300166
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 HOWELL MILL DR, CHATTANOOGA, TN 37421-3384

Mortgage

Document Number	0000000167
Date	May 23, 2024
Instrument	2024052300167

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 15, 2021
Property Address	1904 HOWELL MILL DR, CHATTANOOGA, TN 37421-3384
Document Number	0000000266
Book / Page	12734 / 351
Map Reference	MB 48 PG 283
Instrument Date	Nov 12, 2021
Instrument	2021111500266
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,126.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1904 HOWELL MILL DR, CHATTANOOGA, TN 37421-3384

Mortgage

Document Number	0012734354
Date	Nov 15, 2021
Instrument	12734/354

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1904 HOWELL MILL DR, CHATTANOOGA, TN 37421-3384
Document Number	1118000253
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1904 HOWELL MILL DR CHATTANOOGA TN 374213384, CHATTANOOGA, TN 37421-3384

Mortgage

Document Number	1118000253
Date	Nov 18, 2019
Book Page	011823/000121
Instrument	191118000253

Lender

Name	TENNESSEE VLY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 17, 2039

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

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	$1,163.00 (+8.19%)	$76,750 (+59.65%)	$307,000 (+59.65%) Land $60,000 Building $247,000
2024	$1,075.00	$48,075 (-)	$192,300 (-) Land $50,000 Building $142,300
2023	$1,075.00	$48,075 (-)	$192,300 (-) Land $50,000 Building $142,300
2022	$1,075.00	$48,075	$192,300 Land $50,000 Building $142,300

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.

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	4 (1994–2025)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 2025 · 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	Low lower than 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 354 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

May also be available: AT&T.

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