265 S Howell Ave, Chattanooga, TN 37411 Property Records

Hamilton County property record for 265 S Howell Ave, Chattanooga, TN 37411

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,596 sqft · built 1997
Lot Size	0.192 acres (8,400 sqft)
Owner	Individual Name on File
Tax Bill	$1,028 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Sep 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`157N B 038.01`

Property Details

APN / Parcel Number

Primary APN	`157N B 038.01`
Alternative APN	`0000141757`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,596 sqft Living Area

Exterior

Year Built	Built 1997
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,400 sqft (0.192 acres)
Lot Dimensions	168 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000141757
Old Parcel Number	157N B 03801
Street Address	265 S HOWELL AVE
City	CHATTANOOGA
State	TN
Zip	37411-4845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 46 BLK 7 HAMILTON PLACE PB8 PG35 OUT OF 157N-B-38 FOR 1998
Legal Block	7
Legal Lot Number	46
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	3
Census Block	3010
Census Tract	3000

Owner

265 S Howell Ave is owned and occupied by an individual who acquired it in September 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	265 S HOWELL AVE, CHATTANOOGA, TN 37411-4845
Occupancy	Owner Occupied
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

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Sep 2, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 2, 2022
Transfer Doc	0000000033
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Oct 6, 2026
Property Address	265 S HOWELL AVE, CHATTANOOGA, TN 37411-4845
Document Number	0000000789
Book / Page	14461 / 789
Instrument Date	Sep 21, 2026
Instrument	14461789
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 S HOWELL AVE, CHATTANOOGA, TN 37411-4845

Mortgage

Document Number	0000000789,
Date	Oct 6, 2026
Book Page	14461/789
Instrument	14461789

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Sep 2, 2022
Property Address	265 S HOWELL AVE, CHATTANOOGA, TN 37411-4845
Document Number	0000000033
Book / Page	13077 / 882
Map Reference	MB 5063 PG 304
Instrument Date	Aug 31, 2022
Instrument	2022090200033
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	265 S HOWELL AVE, CHATTANOOGA, TN 37411-4845

Tax Assessment & Valuation

The 2025 property tax bill for 265 S Howell Ave was $1,028, up 2.8% 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	$1,028.00 (+2.8%)	$67,850 (+51.79%)	$271,400 (+51.79%) Land $45,000 Building $226,400
2024	$1,000.00	$44,700 (-)	$178,800 (-) Land $30,000 Building $148,800
2023	$1,000.00	$44,700 (-)	$178,800 (-) Land $30,000 Building $148,800
2022	$1,000.00	$44,700	$178,800 Land $30,000 Building $148,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 265 S Howell Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2025)
Most Recent Claim	Aug 2025 · rainfall accumulation

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 265 S Howell Ave is low, with less than a 0.01% 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	Under 0.01% 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 296 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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