Hamilton County property record for 2809 E 45th St, Chattanooga, TN 37407
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,188 sqft · built 1910 |
| Lot Size | 0.161 acres (7,046 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $195,000 (May 2026) |
| Tax Bill | $274 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage May 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 168J L 007 |
| Primary APN | 168J L 007 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,046 sqft (0.161 acres) |
| Lot Dimensions | 138 ft deep x 50.8 ft wide |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Account Number | 0000110754 |
|---|---|
| Street Address | 2809 E 45TH ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37407-3012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 8 BLK 15 EAST END LAND COS ADDN NO 4 PB2 PG29 |
| Legal Subdivision | EAST END LAND COMPANYS ADDITION NO 4 |
| Legal Block | 15 |
| Legal Lot Number | 8 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 2400 |
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.
Source: Hamilton County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2809 E 45TH ST, CHATTANOOGA, TN 37407-3012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed of Trust, Mortgage EIGHT24 PROPERTIES LLC |
| May 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Apr 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Dec 31, 2025 | Warranty Deed, Construction Loan · Construction Mortgage RAIN CITY CAPITAL LLC |
| Feb 10, 2017 | Quit Claim Deed, Transfer RELI SETTLEMENT SOLUTIONS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on Record |
| Deed Sale | May 4, 2026 · Amount on Record |
| Prior Sale | Apr 7, 2026 · Amount on Record |
| Deed Document Number | 2026362 |
| Deed Book / Page | 14286 / 91 |
| Prior Transfer Date | Feb 7, 2017 |
| Prior Transfer Doc | 0000000089 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2809 E 45TH ST, CHATTANOOGA, TN 37407-3012 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Title Company | RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0000000076 |
|---|---|
| Date | Jan 15, 2026 |
| Book Page | 14166/708 |
| Instrument | 2026011500076 |
| Name | EIGHT24 PROPERTIES LLC |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jan 13, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 4, 2026 |
| Property Address | 2809 E 45TH ST, CHATTANOOGA, TN 37407-3012 |
| Document Number | 0000000362 |
| Book / Page | 14286 / 91 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026.362 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | PRIOR TITLE, PRIORITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $72,871.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2809 E 45TH ST, CHATTANOOGA, TN 37407-3012 |
| Document Number | 0000000363, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 2026.4.363 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 7, 2026 |
| Property Address | 2809 E 45TH ST, CHATTANOOGA, TN 37407-3012 |
| Document Number | 0000000030 |
| Book / Page | 14254 / 60 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202630 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | PRIORITY TITLE/FL LLC, PRIORITY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $72,871.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2809 E 45TH ST, CHATTANOOGA, TN 37407-3012 |
| Document Number | 0000000031, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 2026731 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 31, 2025 |
| Property Address | 2809 E 45TH ST, CHATTANOOGA, TN 37407-3012 |
| Document Number | 0000000130 |
| Book / Page | 14154 / 268 |
| Map Reference | MB 2 PG 29 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2025123100130 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 8, 2026 |
| Title Company | KEY TITLE AND ESCROW, KEY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1506 S BLANCA AVE, BOISE, ID 83709-1328 |
| Document Number | 0014154272 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 14154/272 |
| Name | RAIN CITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 1, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 10, 2017 |
| Property Address | 2809 E 45TH ST, CHATTANOOGA, TN 37407-3012 |
| Document Number | 0000000089 |
| Book / Page | 010973 / 000827 |
| Instrument Date | Feb 7, 2017 |
| Instrument | 089 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2017 |
| Title Company | RELI SETTLEMENT SOLUTIONS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3131 CAMINO DEL RIO N #310 SAN DIEGO CA 921085748, 310, SAN DIEGO, CA 92108-5748 |
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $274.00 (+31.1%) | $18,125 (+93.85%) | $72,500 (+93.85%) Land $30,000 Building $42,500 |
| 2024 | $209.00 | $9,350 (-) | $37,400 (-) Land $10,000 Building $27,400 |
| 2023 | $209.00 | $9,350 (-) | $37,400 (-) Land $10,000 Building $27,400 |
| 2022 | $209.00 | $9,350 | $37,400 Land $10,000 Building $27,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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