Hamilton County property record for 240 Baker St, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,654 sqft · built 1996 |
| Lot Size | 0.29 acres (12,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (May 2021) |
| Tax Bill | $2,039 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135E M 021 |
| Primary APN | 135E M 021 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,654 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,663 sqft (0.29 acres) |
| Lot Dimensions | 85 ft deep x 148 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000060048 |
|---|---|
| Street Address | 240 BAKER ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-4104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 255 NORTH SIDE LAND CO AMENDED PB4 PG47 REV 55-253 REV 55-253 |
| Legal Subdivision | NORTH SIDE LAND CO A |
| Legal Lot Number | 255 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2030 |
| 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.
Source: Hamilton County records, as of January 2, 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 | 240 BAKER ST, CHATTANOOGA, TN 37405-4104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TENNESSEE VALLEY FCU |
| Aug 16, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| May 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2021 · Amount on File |
| Deed Sale | May 28, 2021 · Amount on File |
| Prior Sale | Feb 5, 2002 · Amount on File |
| Deed Document Number | 2021142 |
| Deed Book / Page | 12503 / 691 |
| Transfer Doc | 0044530136 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 240 BAKER ST, CHATTANOOGA, TN 37405-4104 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000149 |
|---|---|
| Date | Jun 8, 2023 |
| Book Page | 13313/953 |
| Instrument | 2023060800149 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 240 BAKER ST, CHATTANOOGA, TN 37405-4104 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000170 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 13060/75 |
| Instrument | 2022081600170 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 6, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 28, 2021 |
| Property Address | 240 BAKER ST, CHATTANOOGA, TN 37405-4104 |
| Document Number | 0000000142 |
| Book / Page | 12503 / 691 |
| Map Reference | MB 55 PG 253 |
| Instrument Date | May 21, 2021 |
| Instrument | 2021052800142 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,443.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 240 BAKER ST, CHATTANOOGA, TN 37405-4104 |
| Document Number | 0012503693 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 12503/693 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Jun 1, 2045 |
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 | $2,039.00 (+7.88%) | $134,550 (+59.23%) | $538,200 (+59.23%) Land $225,000 Building $313,200 |
| 2024 | $1,890.00 | $84,500 (-) | $338,000 (-) Land $150,000 Building $188,000 |
| 2023 | $1,890.00 | $84,500 (-) | $338,000 (-) Land $150,000 Building $188,000 |
| 2022 | $1,890.00 | $84,500 | $338,000 Land $150,000 Building $188,000 |
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.
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.
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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