232 Vantage Pt, Chattanooga, TN 37405 Property Records

Hamilton County property record for 232 Vantage Pt, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,120 sqft · built 1986
Lot Size	1.4 acres (60,984 sqft)
Owner	Trust Name on File
Last Sale	$452,000 (Oct 2023)
Tax Bill	$2,808 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`135G D 031`

Property Details

APN / Parcel Number

Primary APN	`135G D 031`
Alternative APN	`0000060310`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,120 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	60,984 sqft (1.4 acres)
Lot Dimensions	151 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000060310
Street Address	232 VANTAGE PT
City	CHATTANOOGA
State	TN
Zip	37405-3772
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 ROGERS & MERRITTS RESUB 34-200 REV 40-121
Legal Subdivision	ROGERS & MERRITTS RE
Legal Lot Number	1
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1012
Census Tract	10901

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

232 Vantage Pt is owner-occupied and held in a trust since October 2023.

Source: Hamilton County records, as of September 29, 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	Trust Name on File
Mailing Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FCU
Jan 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FCU
Jul 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Oct 26, 2023	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU
Mar 10, 2022	Intrafamily Transfer, Transfer
Nov 20, 2020	Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG
Mar 6, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST VOLUNTEER BK
Jul 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2023 · Amount on File
Deed Sale	Oct 26, 2023 · Amount on File
Prior Sale	Nov 20, 2020 · Amount on File
Deed Document Number	2023141
Deed Book / Page	13433 / 196
Prior Transfer Date	Mar 9, 2022
Prior Transfer Doc	0000000198
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772

Mortgage

Document Number	0000000256
Date	Dec 22, 2025
Book Page	14146/356
Instrument	2025122200256

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.7%
Index	SOFR Average 30-Day
Max Rate	10.7%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, CHOICE TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000154
Date	Jan 23, 2024
Book Page	13496/94
Instrument	2024012300154

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	346 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.81%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.81%
Max Rate At Change	8.81%
Index	SOFR Average 30-Day
Max Rate	11.8%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000100
Date	Jul 20, 2022
Book Page	13031/509
Instrument	2022072000100

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 26, 2023
Property Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Document Number	0000000141
Book / Page	13433 / 196
Map Reference	MB 40 PG 121
Instrument Date	Oct 16, 2023
Instrument	2023102600141
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, CHOICE TITLE COMPANY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,672.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	662 MARINER WAY, CHATTANOOGA, TN 37402-2924

Mortgage

Document Number	0000000142
Date	Oct 26, 2023
Instrument	2023102600142

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.81%
Max Rate At Change	8.81%
Index	SOFR Average 30-Day
Max Rate	11.8%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Mar 10, 2022
Property Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Document Number	0000000198
Book / Page	12877 / 306
Map Reference	MB 40 PG 121
Instrument Date	Mar 9, 2022
Instrument	2022031000198
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 VANTAGE POINT, ATLANTA, GA 30348

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 20, 2020
Property Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Document Number	1120000051
Book / Page	012240 / 000561
Instrument Date	Nov 18, 2020
Instrument	201120000051
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	CHATTANOOGA TITLE-DOWNTOWN LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 VANTAGE PT CHATTANOOGA TN 374053772, CHATTANOOGA, TN 37405-3772

Mortgage

Document Number	1120000052
Date	Nov 20, 2020
Book Page	012240/000564
Instrument	201120000052

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 6, 2020
Property Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Document Number	0306000242
Book / Page	011930 / 000854
Instrument Date	Mar 6, 2020
Instrument	200306000242
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	CHATTANOOGA TITLE-DOWNTOWN LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 VANTAGE PT CHATTANOOGA TN 374053772, CHATTANOOGA, TN 37405-3772

Mortgage

Document Number	306000243
Date	Mar 6, 2020
Book Page	011930/000857
Instrument	200306000243

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Mar 5, 2023

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	232 VANTAGE PT, CHATTANOOGA, TN 37405-3772
Document Number	0726000154
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 VANTAGE PT CHATTANOOGA TN 374053772, CHATTANOOGA, TN 37405-3772

Mortgage

Document Number	0726000154
Date	Jul 26, 2018
Book Page	011410/000436
Instrument	180726000154

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 232 Vantage Pt was $2,808, up 53.7% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

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	$2,808.00 (+53.69%)	$185,325 (+126.91%)	$741,300 (+126.91%) Land $343,800 Building $397,500
2024	$1,827.00	$81,675 (-)	$326,700 (-) Land $200,000 Building $126,700
2023	$1,827.00	$81,675 (-)	$326,700 (-) Land $200,000 Building $126,700
2022	$1,827.00	$81,675	$326,700 Land $200,000 Building $126,700

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 232 Vantage Pt in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.

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	1 (1984)
Most Recent Claim	May 1984 · tidal / storm surge

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

Wildfire risk around 232 Vantage Pt is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 50% of Tennessee
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 67 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

232 Vantage Pt, Chattanooga, TN 37405 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Vantage Pt

Nearby Streets

Search Property Records by Address or Parcel Number