2704 E 21st St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 2704 E 21st St, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,352 sqft · built 1925
Lot Size	0.133 acres (5,805 sqft)
Owner	Individual Name on Record
Last Sale	$163,500 (Jan 2026)
Tax Bill	$383 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`156K A 026`

Property Details

APN / Parcel Number

Primary APN	`156K A 026`
Alternative APN	`0000092965`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,352 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1967
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,805 sqft (0.133 acres)
Lot Dimensions	135 ft deep x 43 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000092965
Street Address	2704 E 21ST ST
City	CHATTANOOGA
State	TN
Zip	37404-5424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 55 MC CULLOUGHS S/D NO 2 PB 1 PG 11
Legal Subdivision	MC CULLOUGHS
Legal Lot Number	55
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

Source: Hamilton County records, as of April 30, 2026

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	Individual Name on Record
Mailing Address	2704 E 21ST ST, CHATTANOOGA, TN 37404-5424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST FARMERS AND COMMERCIAL BANK
Jan 7, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 6, 2019	Quit Claim Deed, Transfer TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2026 · Amount on Record
Deed Sale	Jan 7, 2026 · Amount on Record
Prior Sale	Aug 6, 2019 · Amount on Record
Deed Document Number	202674
Deed Book / Page	14159 / 590
Prior Transfer Date	Jun 27, 2008
Prior Transfer Doc	0000000093
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2704 E 21ST ST, CHATTANOOGA, TN 37404-5424
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000204
Date	Apr 22, 2021
Book Page	12456/416
Instrument	2021042200204

Lender

Name	FIRST FARMERS AND COMMERCIAL BANK
Type	Bank
Address	PIKEVILLE, TN 37367

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 7, 2026
Property Address	2704 E 21ST ST, CHATTANOOGA, TN 37404-5424
Document Number	0000000074
Book / Page	14159 / 590
Map Reference	MB 1 PG 11
Instrument Date	Dec 31, 2025
Instrument	2026010700074
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	FOOTHILLS TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4201 MARSH LN, CARROLLTON, TX 75007-1720

Mortgage

Document Number	0000000075
Date	Jan 7, 2026
Book Page	14159/595
Instrument	2026010700075

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 6, 2019
Property Address	2704 E 21ST ST, CHATTANOOGA, TN 37404-5424
Document Number	0806000118
Book / Page	011720 / 000782
Instrument Date	Jul 29, 2019
Instrument	190806000118
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Tax	$37.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2647 WATERHAVEN DR CHATTANOOGA TN 374061149, CHATTANOOGA, TN 37406-1149

Tax Assessment & Valuation

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	$383.00 (+11.66%)	$25,300 (+64.55%)	$101,200 (+64.55%) Land $45,000 Building $56,200
2024	$343.00	$15,375 (-)	$61,500 (-) Land $7,500 Building $54,000
2023	$343.00	$15,375 (-)	$61,500 (-) Land $7,500 Building $54,000
2022	$343.00	$15,375	$61,500 Land $7,500 Building $54,000

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 · 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

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.

Nearby Properties on E 21st St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures