Hamilton County property record for 2516 Union Ave, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,605 sqft · built 1920 |
| Lot Size | 0.181 acres (7,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (Sep 2019) |
| Tax Bill | $597 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146N S 009 |
| Primary APN | 146N S 009 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,605 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,890 sqft (0.181 acres) |
| Lot Dimensions | 157 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000076820 |
|---|---|
| Street Address | 2516 UNION AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-3811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 3 BLK 7 STEWARTS ADDN PB1 PG32 |
| Legal Subdivision | STEWARTS ADDN |
| Legal Block | 7 |
| Legal Lot Number | 3 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 1300 |
2516 Union Ave is owned by two individuals who bought it in September 2019.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 227 S SEMINOLE DR # B, B, CHATTANOOGA, TN 37411-4126 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 10, 2024 | Deed of Trust, Mortgage · Line of Credit SOUTHEAST BANK |
| Jun 22, 2020 | Deed of Trust, Mortgage BENCHMARK HM LN |
| Sep 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage CMG FIN'L |
| Jan 30, 2017 | Loan Modification, Mortgage · Line of Credit FIRST VOLUNTEER BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2019 · Amount on File |
| Deed Sale | Sep 12, 2019 · Amount on File |
| Prior Sale | May 26, 2009 · Amount on File |
| Deed Document Number | 2019091200213 |
| Deed Book / Page | 11757 / 157 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2516 UNION AVE, CHATTANOOGA, TN 37404-3811 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2516 UNION AVE, CHATTANOOGA, TN 37404-3811 |
| Document Number | 0000000131 |
|---|---|
| Date | Jan 10, 2024 |
| Book Page | 13488/703 |
| Instrument | 2024011000131 |
| Name | SOUTHEAST BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37450 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2516 UNION AVE, CHATTANOOGA, TN 37404-3811 |
| Document Number | 0623000217 |
| Instrument Date | Jun 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2516 UNION AVE CHATTANOOGA TN 374043811, CHATTANOOGA, TN 37404-3811 |
| Document Number | 0623000217 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 012046/000752 |
| Instrument | 200623000217 |
| Name | BENCHMARK HM LN |
|---|---|
| Type | Funding / Finance Company |
| Address | PLANO, TX 75024 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 12, 2019 |
| Property Address | 2516 UNION AVE, CHATTANOOGA, TN 37404-3811 |
| Document Number | 0912000213 |
| Book / Page | 011757 / 000157 |
| Instrument Date | Sep 11, 2019 |
| Instrument | 190912000213 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2019 |
| Title Company | CUMBERLAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $518.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 227B S SEMINOLE DR CHATTANOOGA TN 374114126, CHATTANOOGA, TN 37411-4126 |
| Document Number | 912000214 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 011757/000160 |
| Instrument | 190912000214 |
| Name | CMG FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2516 UNION AVE, CHATTANOOGA, TN 37404-3811 |
| Document Number | 0000000039 |
| Book / Page | 010974 / 000578 |
| Instrument Date | Jan 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 4609 FLORIDA AVE CHATTANOOGA TN 374091621, CHATTANOOGA, TN 37409-1621 |
| Document Number | 0000000039 |
|---|---|
| Date | Feb 13, 2017 |
| Book Page | 010974/000578 |
| Instrument | 39 |
| Name | FIRST VOLUNTEER BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 12, 2018 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2516 Union Ave was $597, down 29% 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 | $597.00 (-29.01%) | $39,400 (+4.79%) | $157,600 (+4.79%) Land $50,000 Building $107,600 |
| 2024 | $841.00 | $37,600 (-) | $150,400 (-) Land $30,000 Building $120,400 |
| 2023 | $841.00 | $37,600 (-) | $150,400 (-) Land $30,000 Building $120,400 |
| 2022 | $841.00 | $37,600 | $150,400 Land $30,000 Building $120,400 |
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.
FEMA maps place 2516 Union Ave in Zone X, an area of minimal flood risk.
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 risk around 2516 Union Ave is low, with a 0.02% annual chance of wildfire.
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 | 0.02% 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 145 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 Fixed Wireless | 100 / 20 |
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