2020 E 12th St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 2020 E 12th St, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,886 sqft · built 1925
Lot Size	0.152 acres (6,625 sqft)
Owner	Owner Name on File
Last Sale	$20,000 (Sep 2014)
Tax Bill	$566 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`146O X 011`

Property Details

APN / Parcel Number

Primary APN	`146O X 011`
Alternative APN	`0000077590`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,886 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,625 sqft (0.152 acres)
Lot Dimensions	125 ft deep x 53 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000077590
Old Parcel Number	146O X011
Street Address	2020 E 12TH ST
City	CHATTANOOGA
State	TN
Zip	37404-4403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 19 BLK 3 SPRING GROVE ADDN PB2 PG6
Legal Subdivision	SPRING GROVE ADDN
Legal Block	3
Legal Lot Number	19
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	2
Census Block	2031
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 May 20, 2025

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

Owner of Record	Owner Name on File
Mailing Address	2020 E 12TH ST, CHATTANOOGA, TN 37404-4403
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 12, 2023	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 5, 2014 · Amount on Record
Deed Sale	Sep 5, 2014 · Amount on Record
Prior Sale	Nov 15, 2012 · Amount on Record
Deed Document Number	2014090500040
Deed Book / Page	10295 / 796
Record Updated	Jun 8, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2020 E 12TH ST, CHATTANOOGA, TN 37404-4403
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000021
Date	Jul 24, 2025
Book Page	13991/524
Instrument	2025072400021

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 22, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2020 E 12TH ST, CHATTANOOGA, TN 37404-4403
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 E 12TH ST, CHATTANOOGA, TN 37404-4403

Mortgage

Document Number	0000000049
Date	May 12, 2023
Book Page	13287/958
Instrument	2023051200049

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2043

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2020 E 12TH ST, CHATTANOOGA, TN 37404-4403
Document Number	0826000154
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 E 12TH ST CHATTANOOGA TN 374044403, CHATTANOOGA, TN 37404-4403

Mortgage

Document Number	0826000154
Date	Aug 26, 2020
Book Page	012128/000322
Instrument	200826000154

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 25, 2035

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	$566.00 (-15.02%)	$37,350 (+25.34%)	$149,400 (+25.34%) Land $70,000 Building $79,400
2024	$666.00	$29,800 (-)	$119,200 (-) Land $40,000 Building $79,200
2023	$666.00	$29,800 (-)	$119,200 (-) Land $40,000 Building $79,200
2022	$666.00	$29,800	$119,200 Land $40,000 Building $79,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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 413 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

May also be available: T-Mobile, Verizon.

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