2420 E 12th St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 2420 E 12th St, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,924 sqft · built 1925
Lot Size	0.166 acres (7,242 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Sep 2024)
Tax Bill	$1,102 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Mar 2020 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`156C B 012`

Property Details

APN / Parcel Number

Primary APN	`156C B 012`
Alternative APN	`0000090439`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,924 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1943
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,242 sqft (0.166 acres)
Lot Dimensions	142 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000090439
Street Address	2420 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	LOT 20 PT LOT 19 BLK 18 WATKINS ADDN PB 3 PG 4
Legal Subdivision	WATKINS ADDN
Legal Block	18
Legal Lot Number	20
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 October 9, 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	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 30, 2020	Deed of Trust, Mortgage BANK OF TENNESSEE
Apr 23, 2019	Warranty Deed, Construction Loan · Construction Mortgage PETER STURDIVANT
Mar 14, 2019	Warranty Deed, Transfer RUDY TITLE AND ESCROW, RUDY TITLE & ESCROW
Apr 26, 2018	Warranty Deed, Transfer FIRST TITLE COMPANY
Apr 26, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Apr 26, 2018	Affidavit of Death, Transfer FIRST TITLE COMPANY
Apr 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 26, 2018	Affidavit of Death, Transfer FIRST TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Prior Sale	Apr 23, 2019 · Amount on Record
Deed Document Number	2024242
Deed Book / Page	13701 / 216
Prior Transfer Date	Apr 9, 2018
Prior Transfer Doc	0000000167
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 9, 2024
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0000000242
Book / Page	13701 / 216
Map Reference	MB 3 PG 4
Instrument Date	Aug 29, 2024
Instrument	2024090900242
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601

Mortgage

Document Number	0000000243
Date	Sep 9, 2024
Instrument	2024090900243

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0401000056
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	RUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 TAYLOR ST #B2 NASHVILLE TN 372081745, B2, NASHVILLE, TN 37208-1745

Mortgage

Document Number	0401000056
Date	Apr 1, 2020
Book Page	011955/000890
Instrument	200401000056

Lender

Name	BANK OF TENNESSEE
Type	Bank
Address	KINGSPORT, TN 37660

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 31, 2040

April 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 23, 2019
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0423000061
Book / Page	011620 / 000493
Instrument Date	Apr 18, 2019
Instrument	190423000061
Transaction Type	Construction Loan
Record Updated	May 8, 2019
Title Company	RUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2420 E 12TH ST CHATTANOOGA TN 374044601, CHATTANOOGA, TN 37404-4601

Mortgage

Document Number	423000062
Date	Apr 23, 2019
Book Page	011620/000495
Instrument	190423000062

Lender

Name	PETER STURDIVANT
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 22, 2020

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 14, 2019
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0314000194
Book / Page	011587 / 000988
Instrument Date	Mar 8, 2019
Instrument	190314000194
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	RUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$196.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 60387 NASHVILLE TN 372060387, NASHVILLE, TN 37206-0387

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 26, 2018
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0000000170
Book / Page	011330 / 000618
Instrument Date	Apr 25, 2018
Instrument	170
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	FIRST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$49.95
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 DELL TRL CHATTANOOGA TN 374114444, CHATTANOOGA, TN 37411-4444

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	HAMILTON TN
Recording Date	Apr 26, 2018
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0000000165
Book / Page	011330 / 000608
Instrument Date	Apr 24, 2018
Instrument	165
Transaction Type	Transfer
Record Updated	May 14, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 DELL TRL CHATTANOOGA TN 374114444, CHATTANOOGA, TN 37411-4444

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	HAMILTON TN
Recording Date	Apr 26, 2018
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0000000166
Book / Page	011330 / 000610
Instrument Date	Apr 24, 2018
Instrument	166
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	FIRST TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	958 THOMPSON SPRINGS RD SE #7 CLEVELAND TN 37323, 7, CLEVELAND, TN 37323

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 26, 2018
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0000000167
Book / Page	011330 / 000612
Instrument Date	Mar 22, 2018
Instrument	167
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 DELL TRL CHATTANOOGA TN 374114444, CHATTANOOGA, TN 37411-4444

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	HAMILTON TN
Recording Date	Apr 26, 2018
Property Address	2420 E 12TH ST, CHATTANOOGA, TN 37404-4601
Document Number	0000000164
Book / Page	011330 / 000606
Instrument Date	Mar 22, 2018
Instrument	164
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	FIRST TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$1,102.00 (+44.62%)	$72,750 (+113.47%)	$291,000 (+241.55%) Land $50,000 Building $241,000
2024	$762.00 (+60.08%)	$34,080 (+6%)	$85,200 (-) Land $20,000 Building $65,200
2023	$476.00 (-23.96%)	$21,300 (-23.93%)	$85,200 (+21.71%) Land $20,000 Building $65,200
2022	$626.00	$28,000	$70,000 Land $20,000 Building $50,000

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	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.

Nearby Properties on E 12th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures