Hamilton County property record for 25 E Morgan Ln, Chattanooga, TN 37415
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,598 sqft · built 1960 |
| Lot Size | 0.305 acres (13,300 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Jul 2022) |
| Tax Bill | $1,079 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Line of Credit Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 099C C 028 |
| Primary APN | 099C C 028 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,598 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,300 sqft (0.305 acres) |
| Lot Dimensions | 140 ft deep x 95 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000025892 |
|---|---|
| Street Address | 25 E MORGAN LN |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37415-1510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 2 HETZEL PB 17 PG 50 |
| Legal Subdivision | HETZEL |
| Legal Lot Number | 2 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10435 |
25 E Morgan Ln is owned and occupied by an individual who bought it in July 2022.
Source: Hamilton County records, as of December 31, 2025
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 | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 25 E MORGAN LN, CHATTANOOGA, TN 37415-1510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 12, 2022 | Warranty Deed, Transfer · Line of Credit ONE BANK OF TENNESSEE |
| Mar 16, 2022 | Warranty Deed, Transfer · Commercial Mortgage CAPSTAR BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2022 · Amount on File |
| Deed Sale | Jul 12, 2022 · Amount on File |
| Prior Sale | Mar 16, 2022 · Amount on File |
| Deed Document Number | 2022071200164 |
| Deed Book / Page | 13022 / 756 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 12, 2022 |
| Property Address | 25 E MORGAN LN, CHATTANOOGA, TN 37415-1510 |
| Document Number | 0000000164 |
| Book / Page | 13022 / 756 |
| Map Reference | VOL 17 PG 50 |
| Instrument Date | Jul 11, 2022 |
| Instrument | 2022071200164 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,387.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 25 E MORGAN LN, CHATTANOOGA, TN 37415-1510 |
| Document Number | 0130220759 |
|---|---|
| Date | Jul 12, 2022 |
| Instrument | 13022-0759 |
| Name | ONE BANK OF TENNESSEE |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 16, 2022 |
| Property Address | 25 E MORGAN LN, CHATTANOOGA, TN 37415-1510 |
| Document Number | 0000000127 |
| Book / Page | 12883 / 862 |
| Map Reference | MB 15 PG 73 |
| Instrument Date | Mar 10, 2022 |
| Instrument | 2022031600127 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $999.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25 E MORGAN LN, CHATTANOOGA, TN 37415-1510 |
| Document Number | 0012883866 |
|---|---|
| Date | Mar 16, 2022 |
| Instrument | 12883/866 |
| Name | CAPSTAR BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 25 E Morgan Ln was $1,079, up 5.4% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $1,079.00 (+5.37%) | $71,225 (+55.6%) | $284,900 (+55.6%) Land $60,000 Building $224,900 |
| 2024 | $1,024.00 | $45,775 (-) | $183,100 (-) Land $50,000 Building $133,100 |
| 2023 | $1,024.00 | $45,775 (-) | $183,100 (-) Land $50,000 Building $133,100 |
| 2022 | $1,024.00 | $45,775 | $183,100 Land $50,000 Building $133,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 25 E Morgan Ln in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1994.
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 Policies | 1 in force |
| Nearby Flood Claims | 31 (1994–2020) |
| Claims Outside the SFHA | 22 of 31 |
| Most Recent Claim | Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
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 risk around 25 E Morgan Ln is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.07% 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 | HIXSON UTILITY DISTRICT serves 68,306 people · EPA ID TN0000303 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2026–2028) 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 275 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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