2012 Duncan Ave, Chattanooga, TN 37404 Property Records

Hamilton County property record for 2012 Duncan Ave, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1997
Lot Size	0.153 acres (6,700 sqft)
Owner	Individual Name on File
Last Sale	$174,900 (Nov 2019)
Tax Bill	$929 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146K R 007`

Property Details

APN / Parcel Number

Primary APN	`146K R 007`
Alternative APN	`0000075743`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1997
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,700 sqft (0.153 acres)
Lot Dimensions	134 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000075743
Street Address	2012 DUNCAN AVE
City	CHATTANOOGA
State	TN
Zip	37404-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 7 BLK 30 MONTAGUES HIGHLAND PARK ADDN NO 2 PB1 PG35
Legal Subdivision	MONTAGUES ADDN HIGHL
Legal Block	30
Legal Lot Number	7
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	2
Census Block	2046
Census Tract	1100

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

2012 Duncan Ave is owned and occupied by an individual who bought it in November 2019.

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

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

Owner of Record	Individual Name on File
Mailing Address	2012 DUNCAN AVE, CHATTANOOGA, TN 37404-3105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2019 · Amount on File
Deed Sale	Nov 5, 2019 · Amount on File
Prior Sale	Jun 26, 2014
Deed Document Number	2019110500106
Deed Book / Page	11810 / 865
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 5, 2019
Property Address	2012 DUNCAN AVE, CHATTANOOGA, TN 37404-3105
Document Number	1105000106
Book / Page	011810 / 000865
Instrument Date	Nov 1, 2019
Instrument	191105000106
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	NORTH START TITLE INSURANCE AGENCY INC, NORTHGATE TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.13
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 DUNCAN AVE CHATTANOOGA TN 374043105, CHATTANOOGA, TN 37404-3105

Mortgage

Document Number	1105000107
Date	Nov 5, 2019
Book Page	011810/000868
Instrument	191105000107

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2012 Duncan Ave was $929, down 5.8% from the year before.

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	$929.00 (-5.78%)	$61,300 (+39%)	$245,200 (+39%) Land $70,000 Building $175,200
2024	$986.00	$44,100 (-)	$176,400 (-) Land $50,000 Building $126,400
2023	$986.00	$44,100 (-)	$176,400 (-) Land $50,000 Building $126,400
2022	$986.00	$44,100	$176,400 Land $50,000 Building $126,400

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 2012 Duncan Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	1 in force
Nearby Flood Claims	2 (1978–1981)
Most Recent Claim	Sep 1981 · 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 2012 Duncan Ave 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 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 472 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20