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1909 E 12th St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 1909 E 12th St, Chattanooga, TN 37404

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,176 sqft · built 1930
Lot Size0.154 acres (6,750 sqft)
Owner2 Individual Names on File
Last Sale$187,000 (Jan 2020)
Tax Bill$1,068 (2025)
Deeds & MortgagesJan 2020 Sale & Mortgage
Mar 2018 Sale
Flood ZoneZone X (minimal risk)
APN146O S 014

Property Details

APN / Parcel Number

Primary APN146O S 014
Alternative APN
  • 0000077455

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,176 sqft Living Area

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1950
Exterior MaterialWood Shingle
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,750 sqft (0.154 acres)
Lot Dimensions135 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000077455
Street Address1909 E 12TH ST
CityCHATTANOOGA
StateTN
Zip37404-4402
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionLT 5 BLK 28 BERRYS AMENDED ADDN PB 5 PG 28
Legal SubdivisionBERRYS AMENDED ADDN
Legal Block28
Legal Lot Number5
JurisdictionHAMILTON TN
Township / Civil Division4
Census Block Group2
Census Block2026
Census Tract1400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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

1909 E 12th St is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record2 Individual Names on File
Mailing Address1909 E 12TH ST, CHATTANOOGA, TN 37404-4402
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jan 6, 2020Warranty Deed, Transfer · Conventional Mortgage
TENNESSEE VLY FCU
Mar 27, 2018Affidavit of Death, Transfer
FIRST TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 6, 2020 · Amount on File
Deed SaleJan 6, 2020 · Amount on File
Prior SaleMar 27, 2018 · Amount on File
Deed Document Number2020010600299
Deed Book / Page11870 / 916
Record UpdatedJun 8, 2026

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJan 6, 2020
Property Address1909 E 12TH ST, CHATTANOOGA, TN 37404-4402
Document Number0106000299
Book / Page011870 / 000916
Instrument DateJan 3, 2020
Instrument200106000299
Transaction TypeTransfer
Record UpdatedJan 31, 2020
Title CompanyCUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$692.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1909 E 12TH ST CHATTANOOGA TN 374044402, CHATTANOOGA, TN 37404-4402

Mortgage

Document Number106000301
DateJan 6, 2020
Book Page011870/000921
Instrument200106000301
Lender
NameTENNESSEE VLY FCU
TypeCredit Union
AddressCHATTANOOGA, TN 37402
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 5, 2050

March 2018: Affidavit of Death, Transfer

Document TypeAffidavit of Death
JurisdictionHAMILTON TN
Recording DateMar 27, 2018
Property Address1909 E 12TH ST, CHATTANOOGA, TN 37404-4402
Document Number0000000299
Book / Page011304 / 000289
Instrument DateMar 26, 2018
Instrument299
Transaction TypeTransfer
Record UpdatedJun 14, 2018
Title CompanyFIRST TITLE COMPANY

Transaction

AmountAmount on Record
Tax$92.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address711 SIGNAL MOUNTAIN RD #711 CHATTANOOGA TN 374051823, 711, CHATTANOOGA, TN 37405-1823

Tax Assessment & Valuation

The 2025 property tax bill for 1909 E 12th St was $1,068, up 3.9% from the year before.

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

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,068.00 (+3.89%)$70,525 (+53.48%)$282,100 (+53.48%) Land $70,000 Building $212,100
2024$1,028.00$45,950 (-)$183,800 (-) Land $40,000 Building $143,800
2023$1,028.00$45,950 (-)$183,800 (-) Land $40,000 Building $143,800
2022$1,028.00$45,950$183,800 Land $40,000 Building $143,800

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

FEMA maps place 1909 E 12th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1994–2012)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 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

The area around 1909 E 12th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
EPB
Fiber		100,000 / 100,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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