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2207 E 12th St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 2207 E 12th St, Chattanooga, TN 37404

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,614 sqft · built 2020
Lot Size0.162 acres (7,100 sqft)
OwnerIndividual Name on File
Last Sale$422,500 (Aug 2024)
Tax Bill$1,557 (2025)
Deeds & MortgagesFeb 2024 Line of Credit
Aug 2024 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN146N Y 022

Property Details

APN / Parcel Number

Primary APN146N Y 022
Alternative APN
  • 0000077010

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,614 sqft Living Area
Gross Area2,400 sqft

Exterior

Year BuiltBuilt 2020
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,100 sqft (0.162 acres)
Lot Dimensions142 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000077010
Street Address2207 E 12TH ST
CityCHATTANOOGA
StateTN
Zip37404-4502
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionLT 4 BLK 9 EDEN PARK ADDN PB3 PG4
Legal SubdivisionEDEN PARK ADDN
Legal Block9
Legal Lot Number4
JurisdictionHAMILTON TN
Township / Civil Division4
Census Block Group1
Census Block1029
Census Tract1300

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

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 RecordIndividual Name on File
Mailing Address210 W 17TH ST, CHATTANOOGA, TN 37408-1105
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 26, 2024Deed of Trust, Mortgage · Line of Credit
FIRSTBANK
Aug 26, 2024Warranty Deed, Transfer · Conventional Mortgage
LIBERTY FCU
Jul 15, 2020Warranty Deed, Subdivision Related Transfer · Conventional with PMI
FIRSTBANK
Aug 7, 2019Warranty Deed, Transfer
RUDY TITLE AND ESCROW, RUDY TITLE & ESCROW
Jul 23, 2019Warranty Deed, Transfer
RUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 26, 2024 · Amount on Record
Deed SaleAug 26, 2024 · Amount on Record
Prior SaleJul 15, 2020 · Amount on Record
Deed Document Number2024082600192
Deed Book / Page13687 / 464
Record UpdatedJun 8, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address2207 E 12TH ST, CHATTANOOGA, TN 37404-4502
Transaction TypeMortgage
Record UpdatedSep 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2207 E 12TH ST, CHATTANOOGA, TN 37404-4502

Mortgage

Document Number0000000067
DateFeb 26, 2024
Book Page13519/927
Instrument2024022600067
Lender
NameFIRSTBANK
TypeBank
AddressNASHVILLE, TN 37203
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateAug 26, 2024
Property Address2207 E 12TH ST, CHATTANOOGA, TN 37404-4502
Document Number0000000192
Book / Page13687 / 464
Map ReferenceMB 3 PG 4
Instrument DateAug 23, 2024
Instrument2024082600192
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyCUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,563.25
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address210 W 17TH ST, CHATTANOOGA, TN 37408-1105

Mortgage

Document Number0000000193
DateAug 26, 2024
Instrument2024082600193
Lender
NameLIBERTY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054

July 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJul 15, 2020
Property Address2207 E 12TH ST, CHATTANOOGA, TN 37404-4502
Document Number0715000008
Book / Page012073 / 000347
Instrument DateJul 10, 2020
Instrument200715000008
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 20, 2020
Title CompanyKELTY TITLE AND ESCROW SERVICES INC, REALTY TITLE & ESCROW SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,036.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2207 E 12TH ST CHATTANOOGA TN 374044502, CHATTANOOGA, TN 37404-4502

Mortgage

Document Number715000009
DateJul 15, 2020
Book Page012073/000350
Instrument200715000009
Lender
NameFIRSTBANK
TypeBank
AddressFRANKLIN, TN 37067
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 14, 2050

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateAug 7, 2019
Property Address2207 E 12TH ST, CHATTANOOGA, TN 37404-4502
Document Number0807000080
Book / Page011721 / 000988
Instrument DateAug 1, 2019
Instrument190807000080
Transaction TypeTransfer
Record UpdatedAug 22, 2019
Title CompanyRUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Transaction

AmountAmount Recorded
Tax$192.40
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 685 LAKE FOREST IL 600450685, LAKE FOREST, IL 60045-0685
InvestorPossibly a Property Investor

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJul 23, 2019
Property Address2207 E 12TH ST, CHATTANOOGA, TN 37404-4502
Document Number0723000067
Book / Page011705 / 000278
Instrument DateJul 19, 2019
Instrument190723000067
Transaction TypeTransfer
Record UpdatedAug 9, 2019
Title CompanyRUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Transaction

AmountAmount Recorded
Tax$111.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address817 WINCHESTER RD LEXINGTON KY 405053752, LEXINGTON, KY 40505-3752

Tax Assessment & Valuation

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$1,557.00 (-1.77%)$102,775 (+45.01%)$411,100 (+45.01%) Land $50,000 Building $361,100
2024$1,585.00$70,875 (-)$283,500 (-) Land $30,000 Building $253,500
2023$1,585.00$70,875 (-)$283,500 (-) Land $30,000 Building $253,500
2022$1,585.00$70,875$283,500 Land $30,000 Building $253,500

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

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 Claims1 (1989)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 1989 · river or lake flooding

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 RiskLow
lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 538 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Electric Power Board of Chattanooga, Tennessee
Fiber		100,000 / 100,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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