Hamilton County property record for 1908 Garfield St, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 754 sqft · built 1920 |
| Lot Size | 0.154 acres (6,750 sqft) |
| Owner | Company Name on File |
| Last Sale | $56,317 (Jun 2021) |
| Tax Bill | $209 (2025) |
| Deeds & Mortgages | Jun 2021 Assignment Jan 2021 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 146F P 005 |
| Primary APN | 146F P 005 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 754 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,750 sqft (0.154 acres) |
| Lot Dimensions | 135 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000073798 |
|---|---|
| Street Address | 1908 GARFIELD ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-2222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 13 BLK 11 LOVEMANS ADDN PB2 PG2 |
| Legal Subdivision | LOVEMANS ADDN |
| Legal Block | 11 |
| Legal Lot Number | 13 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 400 |
1908 Garfield St is owned by a company that bought it in June 2021.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 515 DRUID LN, CHATTANOOGA, TN 37405-4039 |
| Owner Type | Company |
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 |
|---|---|
| Jun 29, 2021 | Assignment of Deed, Transfer · Stand-Alone First Mortgage FIRST CITIZENS NATIONAL BANK |
| Jan 11, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Apr 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NAT'L BK |
| Dec 26, 2019 | Warranty Deed, Transfer ADMIRAL TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on File |
| Deed Sale | Jun 29, 2021 · Amount on File |
| Prior Sale | Jan 11, 2021 |
| Deed Document Number | 2021062900309 |
| Deed Book / Page | 12547 / 225 |
| Record Updated | Jun 8, 2026 |
| Document Type | Assignment of Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 29, 2021 |
| Property Address | 1908 GARFIELD ST, CHATTANOOGA, TN 37404-2222 |
| Document Number | 0000000309 |
| Book / Page | 12547 / 225 |
| Map Reference | MB 2 PG 2 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 2021062900309 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $208.37 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 DRUID LN, CHATTANOOGA, TN 37405-4039 |
| Investor | Possibly a Property Investor |
| Document Number | 0012547227 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 12547/227 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 11, 2021 |
| Property Address | 1908 GARFIELD ST, CHATTANOOGA, TN 37404-2222 |
| Document Number | 0000000463 |
| Book / Page | 12310 / 235 |
| Map Reference | MB 2 PG 2 |
| Instrument Date | Jan 11, 2021 |
| Instrument | 2021011100463 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 DRUID LN, CHATTANOOGA, TN 37405-4039 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1908 GARFIELD ST, CHATTANOOGA, TN 37404-2222 |
| Document Number | 0413000148 |
| Instrument Date | Apr 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 515 DRUID LN CHATTANOOGA TN 374054039, CHATTANOOGA, TN 37405-4039 |
| Document Number | 0413000148 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 011966/000546 |
| Instrument | 200413000148 |
| Name | FIRST CITIZENS NAT'L BK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38025-0370 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 12, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 26, 2019 |
| Property Address | 1908 GARFIELD ST, CHATTANOOGA, TN 37404-2222 |
| Document Number | 1226000349 |
| Book / Page | 011859 / 000967 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 191226000349 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2020 |
| Title Company | ADMIRAL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $37.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 109 E 8TH ST CHATTANOOGA TN 374022404, CHATTANOOGA, TN 37402-2404 |
The 2025 property tax bill for 1908 Garfield St was $209, up 17.4% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $209.00 (+17.42%) | $13,800 (+72.5%) | $55,200 (+72.5%) Land $20,000 Building $35,200 |
| 2024 | $178.00 | $8,000 (-) | $32,000 (-) Land $10,000 Building $22,000 |
| 2023 | $178.00 | $8,000 (-) | $32,000 (-) Land $10,000 Building $22,000 |
| 2022 | $178.00 | $8,000 | $32,000 Land $10,000 Building $22,000 |
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 1908 Garfield St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1980) |
| Most Recent Claim | Mar 1980 · tidal / storm surge |
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 risk around 1908 Garfield St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.3% 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.
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 557 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
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