Hamilton County property record for 207 Baker St, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,204 sqft · built 1930 |
| Lot Size | 0.118 acres (5,168 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,000 (Aug 2011) |
| Tax Bill | $1,450 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Feb 2023 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135E L 032 |
| Primary APN | 135E L 032 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,204 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,168 sqft (0.118 acres) |
| Lot Dimensions | 88 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000060025 |
|---|---|
| Street Address | 207 BAKER ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-4103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | PT LT 237 NORTH SIDE LAND CO AMENDED PB 4 PG 47 & PT OF ABANDONED ALLEY - ORD 12670 |
| Legal Subdivision | NORTH SIDE LAND CO A |
| Legal Lot Number | 237 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 600 |
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.
207 Baker St is owned and occupied by two individuals who acquired it in December 2023.
Source: Hamilton County records, as of March 25, 2026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Feb 27, 2023 | Deed of Trust, Mortgage · Line of Credit TENNESSEE VALLEY FCU |
| Apr 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FCU |
| Dec 28, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU |
| Oct 20, 2022 | Intrafamily Transfer, Transfer TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Sep 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Aug 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOWRANCE S RUNGE |
| Aug 8, 2017 | Quit Claim Deed, Transfer TITLE GUARANTY, TITLE GUARANTY AND TRUST COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2011 · Amount on File |
| Deed Sale | Aug 26, 2011 · Amount on File |
| Deed Document Number | 2011170 |
| Deed Book / Page | 9463 / 331 |
| Last Transfer Date | Dec 22, 2023 |
| Transfer Doc | 0000000057 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000299 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 12657/628 |
| Instrument | 2021092000299 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY AND TRUST, TITLE GUARANTY & TRUST |
| Name | Verified Name |
|---|
| Document Number | 0000000142 |
|---|---|
| Date | Feb 27, 2023 |
| Book Page | 13221/458 |
| Instrument | 2023022700142 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY AND TRUST, TITLE GUARANTY & TRUST |
| Name | Verified Name |
|---|---|
| Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Document Number | 0000000122 |
|---|---|
| Date | Apr 14, 2025 |
| Book Page | 13890/442 |
| Instrument | 2025041400122 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.84% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.84% |
| Max Rate At Change | 7.84% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.8% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 28, 2023 |
| Property Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Document Number | 0000000057 |
| Book / Page | 13479 / 859 |
| Map Reference | MB 4 PG 47 |
| Instrument Date | Dec 22, 2023 |
| Instrument | 2023122800057 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Document Number | 0000000058 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 2023122800058 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 20, 2022 |
| Property Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Document Number | 0000000094 |
| Book / Page | 13122 / 93 |
| Map Reference | MB 4 PG 47 |
| Instrument Date | Oct 19, 2022 |
| Instrument | 2022102000094 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000090 |
|---|---|
| Date | Sep 14, 2017 |
| Book Page | 11154/061 |
| Instrument | 2017091400090 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Document Number | 0829000089 |
| Instrument Date | Aug 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 207 BAKER ST CHATTANOOGA TN 374054103, CHATTANOOGA, TN 37405-4103 |
| Document Number | 0829000089 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 011439/000085 |
| Instrument | 180829000089 |
| Name | LOWRANCE S RUNGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 28, 2023 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 8, 2017 |
| Property Address | 207 BAKER ST, CHATTANOOGA, TN 37405-4103 |
| Document Number | 0000000132 |
| Book / Page | 011124 / 000426 |
| Instrument Date | Aug 2, 2017 |
| Instrument | 132 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2017 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY AND TRUST COMPANY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 BAKER ST CHATTANOOGA TN 374054103, CHATTANOOGA, TN 37405-4103 |
The 2025 property tax bill for 207 Baker St was $1,450, up 11.8% from the year before.
Source: Hamilton County assessment roll, as of January 2, 2026
| 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 | $1,450.00 (+11.8%) | $95,725 (+65.04%) | $382,900 (+65.04%) Land $225,000 Building $157,900 |
| 2024 | $1,297.00 | $58,000 (-) | $232,000 (-) Land $150,000 Building $82,000 |
| 2023 | $1,297.00 | $58,000 (-) | $232,000 (-) Land $150,000 Building $82,000 |
| 2022 | $1,297.00 | $58,000 | $232,000 Land $150,000 Building $82,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 207 Baker St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 207 Baker 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 227 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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