2597 E 40th St, Chattanooga, TN 37407 Property Records

Hamilton County property record for 2597 E 40th St, Chattanooga, TN 37407

Property Summary

Property Type	Single Family Home
Details	1 ba · 615 sqft · built 1925
Lot Size	0.075 acres (3,281 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Feb 2022)
Tax Bill	$192 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`168G C 016`

Property Details

APN / Parcel Number

Primary APN	`168G C 016`
Alternative APN	`0000109551`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	615 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1956
Exterior Material	Aluminum Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,281 sqft (0.075 acres)
Lot Dimensions	125 ft deep x 26.2 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000109551
Street Address	2597 E 40TH ST
City	CHATTANOOGA
State	TN
Zip	37407-2639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LT 11 BLK 13 FAIRVIEW ADDN PB 2 PG 11 0152 26 10
Legal Subdivision	FAIRVIEW ADDN
Legal Block	13
Legal Lot Number	11
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	3
Census Block	3019
Census Tract	2400

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

2597 E 40th St is owned by two individuals who bought it in February 2022.

Source: Hamilton County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4300 14TH AVE, CHATTANOOGA, TN 37407-3109
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2022 · Amount on File
Deed Sale	Feb 1, 2022 · Amount on File
Prior Sale	Aug 17, 2006 · Amount on File
Deed Document Number	2022302
Deed Book / Page	12830 / 134
Prior Transfer Date	May 31, 2013
Prior Transfer Doc	0000000192
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 1, 2022
Property Address	2597 E 40TH ST, CHATTANOOGA, TN 37407-2639
Document Number	0000000302
Book / Page	12830 / 134
Map Reference	MB 2 PG 11
Instrument Date	Jan 18, 2022
Instrument	2022020100302
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GROUP OF TENNESSEE, TITLE SERVICES OF TENNESSEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4300 14TH AVE, CHATTANOOGA, TN 37407-3109

Mortgage

Document Number	0012830136
Date	Feb 1, 2022
Instrument	12830/136

Lender

Name	BRUCE O BAILEY SR ETAL
Type	Private Party

Agreement

Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 2597 E 40th St was $192, up 42.2% from the year before.

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	$192.00 (+42.22%)	$12,675 (+108.64%)	$50,700 (+108.64%) Land $24,000 Building $26,700
2024	$135.00	$6,075 (-)	$24,300 (-) Land $8,000 Building $16,300
2023	$135.00	$6,075 (-)	$24,300 (-) Land $8,000 Building $16,300
2022	$135.00	$6,075	$24,300 Land $8,000 Building $16,300

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

FEMA maps place 2597 E 40th St 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

The area around 2597 E 40th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 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 436 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