2409 12th Ave, Chattanooga, TN 37407 Property Records

Hamilton County property record for 2409 12th Ave, Chattanooga, TN 37407

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,488 sqft · built 1960
Lot Size	0.166 acres (7,250 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Jul 2026)
Tax Bill	$972 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2025 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`156K B 007`

Property Details

APN / Parcel Number

Primary APN	`156K B 007`
Alternative APN	`0000092972`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,250 sqft (0.166 acres)
Lot Dimensions	145 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000092972
Street Address	2409 12TH AVE
City	CHATTANOOGA
State	TN
Zip	37407-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	0127 15 07 LOT 20 BLK 6 CURTIS ADDN PB 2 PG 12
Legal Subdivision	CURTIS ADDN
Legal Block	6
Legal Lot Number	20
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	4
Census Block	4002
Census Tract	2500

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 records, as of August 10, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Dec 31, 2025	Special Warranty Deed, Transfer
Dec 11, 2025	Trustee's Deed, Foreclosure
Nov 22, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST COMMUNITY MORTGAGE INC
Mar 23, 2022	Warranty Deed, Transfer RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC
Mar 22, 2022	Warranty Deed, Transfer RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC
Dec 30, 2021	Warranty Deed, Transfer RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Dec 31, 2025 · Amount on Record
Deed Document Number	2026071687
Deed Book / Page	14371 / 264
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 16, 2026
Property Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204
Document Number	0000000087
Book / Page	14371 / 264
Instrument Date	Jun 26, 2026
Instrument	202687
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96,788.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204

Mortgage

Document Number	0000000088,
Date	Jul 16, 2026
Instrument	20261688

Lender

Name	FIRST COMMUNITY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000000089,
Date	Jul 16, 2026
Book Page	14371/287
Instrument	202689

Lender

Name	CHATTANOOGA NEIGHBORHOOD ENTERPRISE, INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 31, 2025
Property Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204
Document Number	0000000222
Book / Page	14154 / 989
Map Reference	MB 2 PG 12
Instrument Date	Dec 24, 2025
Instrument	2025123100222
Transaction Type	Transfer
Record Updated	Jan 8, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 RESEARCH PKWY STE 303, 303, MERIDEN, CT 06450-8342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1237 COUNTY ROAD 295, HIGDON, AL 35979-6349

December 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 11, 2025
Property Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204
Document Number	0000000012
Book / Page	14134 / 401
Map Reference	MB 2 PG 12
Instrument Date	Dec 8, 2025
Instrument	2025121100012
Transaction Type	Foreclosure
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 RESEARCH PKWY, MERIDEN, CT 06450-8301
Investor	Possibly a Property Investor

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 22, 2023
Property Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204
Document Number	0000000031
Book / Page	13454 / 384
Map Reference	MB 2 PG 12
Instrument Date	Nov 21, 2023
Instrument	2023112200031
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$917.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204

Mortgage

Document Number	0000000032
Date	Nov 22, 2023
Instrument	2023112200032

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 23, 2022
Property Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204
Document Number	0000000109
Book / Page	12892 / 331
Map Reference	MB 2 PG 12
Instrument Date	Mar 21, 2022
Instrument	2022032300109
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$240.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4002 6TH AVE, CHATTANOOGA, TN 37407-2603
Investor	Possibly a Property Investor

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 22, 2022
Property Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204
Document Number	0000000258
Book / Page	12891 / 402
Map Reference	MB 2 PG 12
Instrument Date	Mar 21, 2022
Instrument	2022032200258
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$240.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4002 6TH AVE, CHATTANOOGA, TN 37407-2603
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 30, 2021
Property Address	2409 12TH AVE, CHATTANOOGA, TN 37407-1204
Document Number	0000000039
Book / Page	12791 / 463
Map Reference	MB 2 PG 12
Instrument Date	Dec 20, 2021
Instrument	2021123000039
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$129.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 OLDE MILL LN, HARRISON, TN 37341
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$972.00 (+105.06%)	$64,150 (+202.59%)	$256,600 (+202.59%) Land $30,000 Building $226,600
2024	$474.00	$21,200 (-)	$84,800 (-) Land $10,000 Building $74,800
2023	$474.00 (+39.41%)	$21,200 (+39.24%)	$84,800 (+39.24%) Land $10,000 Building $74,800
2022	$340.00	$15,225	$60,900 Land $10,000 Building $50,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 236 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: AT&T, Verizon.

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