2615 E 21st St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 2615 E 21st St, Chattanooga, TN 37404

Property Summary

Property Type	Duplex
Details	4 ba · 2,518 sqft · built 1998
Lot Size	0.311 acres (13,580 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Jun 2018)
Tax Bill	$967 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`156F L 006`

Property Details

APN / Parcel Number

Primary APN	`156F L 006`
Alternative APN	`0000091784`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,518 sqft Total Area

Exterior

Year Built	Built 1998
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,580 sqft (0.311 acres)
Lot Dimensions	97 ft deep x 140 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000091784
Street Address	2615 E 21ST ST
City	CHATTANOOGA
State	TN
Zip	37404-5477
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	LT 10 BLK 14 SMITHS PB 3 PG 22 REV 55-197
Legal Subdivision	SMITHS ADDN
Legal Block	14
Legal Lot Number	10
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1012
Census Tract	2600

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

2615 E 21st St, a duplex, is owned by two individuals who bought it in June 2018.

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	2 Individual Names on File
Mailing Address	500 DODDS AVE, CHATTANOOGA, TN 37404-3949
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WOLFE FIN'L
Jun 18, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Jan 11, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2018 · Amount on File
Deed Sale	Jun 18, 2018 · Amount on File
Prior Sale	Jan 11, 2017 · Amount on File
Deed Document Number	2018061800244
Deed Book / Page	11376 / 717
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2615 E 21ST ST, CHATTANOOGA, TN 37404-5477
Document Number	0713000232
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	EQUITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2615 E 21ST ST CHATTANOOGA TN 374045477, CHATTANOOGA, TN 37404-5477

Mortgage

Document Number	0713000232
Date	Jul 13, 2020
Book Page	012071/000209
Instrument	200713000232

Lender

Name	WOLFE FIN'L
Type	Funding / Finance Company
Address	ASHEBORO, NC 27203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 12, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jun 18, 2018
Property Address	2615 E 21ST ST, CHATTANOOGA, TN 37404-5477
Document Number	0618000244
Book / Page	011376 / 000717
Instrument Date	Jun 15, 2018
Instrument	180618000244
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	FILE FIRST CHOICE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	500 DODDS AVE CHATTANOOGA TN 374043949, CHATTANOOGA, TN 37404-3949

Mortgage

Document Number	618000245
Date	Jun 18, 2018
Book Page	011376/000719
Instrument	180618000245

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 11, 2017
Property Address	2615 E 21ST ST, CHATTANOOGA, TN 37404-5477
Document Number	0000000108
Book / Page	01095 / 000303
Instrument Date	Jan 10, 2017
Instrument	108
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	FIRST CHOICE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2615 E 21ST ST CHATTANOOGA TN 374045477, CHATTANOOGA, TN 37404-5477

Mortgage

Document Number	109
Date	Jan 11, 2017
Book Page	010951/000307
Instrument	109

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 10, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2615 E 21st St was $967, down 21% from the year before.

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	$967.00 (-21%)	$63,840 (+16.67%)	$159,600 (+16.67%) Land $63,000 Building $96,600
2024	$1,224.00	$54,720 (-)	$136,800 (-) Land $10,500 Building $126,300
2023	$1,224.00	$54,720 (-)	$136,800 (-) Land $10,500 Building $126,300
2022	$1,224.00	$54,720	$136,800 Land $10,500 Building $126,300

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 2615 E 21st St in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 2615 E 21st St 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 96% of the US · lower than 96% 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.

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 236 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

May also be available: AT&T, Verizon.

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