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2585 E 40th St, Chattanooga, TN 37407 Property Records

Hamilton County property record for 2585 E 40th St, Chattanooga, TN 37407

Property Summary

Property TypeSingle Family Home
Details1 ba · 644 sqft · built 1925
Lot Size0.075 acres (3,281 sqft)
Owner2 Individual Names on Record
Last Sale$110,000 (Mar 2026)
Tax Bill$444 (2025)
Deeds & MortgagesMar 2026 Sale
Oct 2022 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN168G C 019

Property Details

APN / Parcel Number

Primary APN168G C 019
Alternative APN
  • 0000109554

Interior

Full Baths1 Bath
Stories1 Story
Building Area644 sqft Living Area

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Exterior MaterialVinyl
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area3,281 sqft (0.075 acres)
Lot Dimensions125 ft deep x 26.2 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000109554
Street Address2585 E 40TH ST
CityCHATTANOOGA
StateTN
Zip37407-2639
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionPT LT 12 BLK 13 FAIRVIEW ADDN PB 2 PG 11 0152 26 11
Legal SubdivisionFAIRVIEW ADDN
Legal Block13
Legal Lot Number12
JurisdictionHAMILTON TN
Township / Civil Division4
Census Block Group3
Census Block3019
Census Tract2400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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 June 30, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 9, 2026Warranty Deed, Transfer
TITLE GUARANTY, TITLE GUARANTY & TRUST CO
Oct 14, 2022Deed of Trust, Mortgage · Conventional Mortgage
AMERIFIRST FINANCIAL INC
Nov 19, 2024Warranty Deed, Transfer · Stand-Alone First Mortgage
TERESA GUNN
Feb 24, 2022Warranty Deed, Transfer
REALTY TITLE INC, REALTY T&E SVCS INC
Dec 17, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Nov 14, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 9, 2026 · Amount on Record
Deed SaleMar 9, 2026 · Amount on Record
Prior SaleNov 19, 2024 · Amount on Record
Deed Document Number2026156
Deed Book / Page14220 / 494
Record UpdatedSep 20, 2026

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateMar 9, 2026
Property Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639
Document Number0000000156
Book / Page14220 / 494
Map ReferenceMB 2 PG 11
Instrument DateMar 6, 2026
Instrument2026030900156
Transaction TypeTransfer
Record UpdatedMar 18, 2026
Title CompanyTITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 TIKTIN DR, CHATTANOOGA, TN 37415-5114

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639
Transaction TypeMortgage
Record UpdatedSep 25, 2025
Title CompanyFIRST CHOICE TITLE, FIRST CHOICE TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000168
DateOct 14, 2022
Book Page13117/476
Instrument2022101400168
Lender
NameAMERIFIRST FINANCIAL INC
TypeMortgage Company
AddressGILBERT, AZ 85297
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2052

November 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateNov 19, 2024
Property Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639
Document Number0000000103
Book / Page13764 / 950
Map ReferenceMB 2 PG 11
Instrument DateNov 18, 2024
Instrument2024111900103
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyBRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$444.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639

Mortgage

Document Number0000000104
DateNov 19, 2024
Instrument2024111900104
Lender
NameTERESA GUNN
TypePrivate Party
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term36 Months
DueNov 18, 2027

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateFeb 24, 2022
Property Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639
Document Number0000000176
Book / Page12858 / 1
Map ReferenceMB 2 PG 11
Instrument DateFeb 24, 2022
Instrument2022022400176
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyREALTY TITLE INC, REALTY T&E SVCS INC

Transaction

AmountAmount Recorded
Tax$277.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateDec 17, 2019
Property Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639
Document Number1217000194
Book / Page011851 / 000972
Instrument DateDec 5, 2019
Instrument191217000194
Transaction TypeTransfer
Record UpdatedJan 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$120.25
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address3017 ROSSVILLE BLVD CHATTANOOGA TN 374071334, CHATTANOOGA, TN 37407-1334

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateNov 14, 2019
Property Address2585 E 40TH ST, CHATTANOOGA, TN 37407-2639
Document Number1114000192
Book / Page011820 / 000327
Instrument DateNov 13, 2019
Instrument191114000192
Transaction TypeTransfer
Record UpdatedDec 10, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$8.51
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address102 POLO FIELD RD CHATTANOOGA TN 374191026, CHATTANOOGA, TN 37419-1026

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$444.00 (+53.1%)$29,350 (+125.77%)$117,400 (+125.77%) Land $24,000 Building $93,400
2024$290.00$13,000 (-)$52,000 (-) Land $8,000 Building $44,000
2023$290.00$13,000$52,000 Land $8,000 Building $44,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 436 locations within half a mile, as of December 31, 2025

ProviderMax 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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