2418 E 12th St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 2418 E 12th St, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,184 sqft · built 1925
Lot Size	0.159 acres (6,958 sqft)
Owner	Company Name on Record
Last Sale	$70,325 (Nov 2020)
Tax Bill	$467 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`156C B 011`

Property Details

APN / Parcel Number

Primary APN	`156C B 011`
Alternative APN	`0000090438`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,184 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1965
Exterior Material	Aluminum Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,958 sqft (0.159 acres)
Lot Dimensions	142 ft deep x 49 ft wide
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000090438
Street Address	2418 E 12TH ST
City	CHATTANOOGA
State	TN
Zip	37404-4601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LT 19 BLK 18 WATKINS ADDN PB3 PG4
Legal Subdivision	WATKINS ADDN
Legal Block	18
Legal Lot Number	19
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	2
Census Block	2022
Census Tract	1300

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 March 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1830 WASHINGTON ST, CHATTANOOGA, TN 37408-2018
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS TRI-COUNTY BANK
Apr 11, 2022	Deed of Trust, Mortgage · Non-Conforming Investor Loan CALIBER HOME LOANS INC
Jan 27, 2026	Correction Deed · Commercial Mortgage CITIZENS TRI-COUNTY BANK
Nov 21, 2025	Quit Claim Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO
Nov 16, 2020	Warranty Deed, Transfer MEREDITH RICHMOND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	Jun 4, 2007 · Amount on Record
Deed Document Number	2020147
Deed Book / Page	12233 / 161
Last Transfer Date	Nov 20, 2025
Transfer Doc	0000000118
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2418 E 12TH ST, CHATTANOOGA, TN 37404-4601
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 AGNES RD 200, 200, KNOXVILLE, TN 37919-6306

Mortgage

Document Number	0000000063
Date	Mar 5, 2026
Book Page	14216/912
Instrument	2026030500063

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	SOUTH PITTSBURG, TN 37380

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 5, 2041

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2418 E 12TH ST, CHATTANOOGA, TN 37404-4601
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	CUMBERLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000263
Date	Apr 11, 2022
Book Page	12916/874
Instrument	2022041100263

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

January 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 27, 2026
Property Address	2418 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0000000272
Book / Page	14176 / 541
Map Reference	MB 3 PG 4
Instrument Date	Jan 26, 2026
Instrument	2026012700272
Record Updated	Mar 16, 2026
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY LL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014216912
Date	Jan 27, 2026
Instrument	14216/912

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 5, 2041

Interest

Rate Type	Adjustable Rate

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 21, 2025
Property Address	2418 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0000000118
Book / Page	14115 / 81
Map Reference	MB 3 PG 4
Instrument Date	Nov 20, 2025
Instrument	2025112100118
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1830 WASHINGTON ST, CHATTANOOGA, TN 37408-2018

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 16, 2020
Property Address	2418 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	1116000147
Book / Page	012233 / 000161
Instrument Date	Nov 13, 2020
Instrument	201116000147
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 HENRY LN LOOKOUT MOUNTAIN GA 307502711, LOOKOUT MOUNTAIN, GA 30750-2711

Mortgage

Document Number	1116000148
Date	Nov 16, 2020
Book Page	012233/000167
Instrument	201116000148

Lender

Name	MEREDITH RICHMOND

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 15, 2025

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	$467.00 (+30.45%)	$30,875 (+92.67%)	$123,500 (+92.67%) Land $50,000 Building $73,500
2024	$358.00	$16,025 (-)	$64,100 (-) Land $20,000 Building $44,100
2023	$358.00	$16,025 (-)	$64,100 (-) Land $20,000 Building $44,100
2022	$358.00	$16,025	$64,100 Land $20,000 Building $44,100

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

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	Low lower than 99.1% of the US · lower than 99.2% 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.

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 197 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

May also be available: AT&T.

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