2604 E 39th St, Chattanooga, TN 37407 Property Records

Hamilton County property record for 2604 E 39th St, Chattanooga, TN 37407

Property Summary

Property Type	Single Family Home
Details	1 ba · 889 sqft · built 1945
Lot Size	0.143 acres (6,250 sqft)
Owner	Company Name on Record
Last Sale	$46,004 (Apr 2018)
Tax Bill	$305 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168G C 010`

Property Details

APN / Parcel Number

Primary APN	`168G C 010`
Alternative APN	`0000109545`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	889 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1970
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000109545
Street Address	2604 E 39TH ST
City	CHATTANOOGA
State	TN
Zip	37407-2721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LTS 3 4 BLK 13 FAIRVIEW ADDN PB 2 PG 11
Legal Subdivision	FAIRVIEW ADDN
Legal Block	13
Legal Lot Number	3,4 4
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

Source: Hamilton County records, as of December 31, 2025

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 31, BRENTWOOD, TN 37024-0031
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC BANK & TRUST CO
Sep 18, 2018	Deed of Trust, Mortgage BANCORPSOUTH
Apr 27, 2018	Warranty Deed, Transfer · Conventional with PMI CLELAND RATCLIFFE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2018 · Amount on Record
Deed Sale	Apr 27, 2018 · Amount on Record
Prior Sale	Apr 10, 2002 · Amount on Record
Deed Document Number	2018042700051
Deed Book / Page	11331 / 312
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2604 E 39TH ST, CHATTANOOGA, TN 37407-2721
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, HOMELAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000194
Date	Jun 11, 2021
Book Page	12523/891
Instrument	2021061100194

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2604 E 39TH ST, CHATTANOOGA, TN 37407-2721
Document Number	0920000201
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	JONES RAULSTON TITLE INSURANCE AGENCY, JONES RAULSTON TITLE INS AGCY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 31 BRENTWOOD TN 370240031, BRENTWOOD, TN 37024-0031
Investor	Possibly a Property Investor

Mortgage

Document Number	0920000201
Date	Sep 20, 2018
Book Page	011457/000716
Instrument	180920000201

Lender

Name	BANCORPSOUTH
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 19, 2038

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 27, 2018
Property Address	2604 E 39TH ST, CHATTANOOGA, TN 37407-2721
Document Number	0000000051
Book / Page	011331 / 000312
Instrument Date	Apr 25, 2018
Instrument	51
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.21
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 31 BRENTWOOD TN 370240031, BRENTWOOD, TN 37024-0031
Investor	Possibly a Property Investor

Mortgage

Document Number	52
Date	Apr 27, 2018
Book Page	011331/000314
Instrument	52

Lender

Name	CLELAND RATCLIFFE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

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	$305.00 (+25%)	$20,125 (+83.79%)	$80,500 (+83.79%) Land $30,000 Building $50,500
2024	$244.00	$10,950 (-)	$43,800 (-) Land $10,000 Building $33,800
2023	$244.00	$10,950 (-)	$43,800 (-) Land $10,000 Building $33,800
2022	$244.00	$10,950	$43,800 Land $10,000 Building $33,800

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

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	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

2604 E 39th St, Chattanooga, TN 37407 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E 39th St

Nearby Streets

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