3003 12th Ave, Chattanooga, TN 37407 Property Records

Hamilton County property record for 3003 12th Ave, Chattanooga, TN 37407

Property Summary

Property Type	Duplex
Details	3 ba · 1,744 sqft · built 1935
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Dec 2022)
Tax Bill	$804 (2025)
Deeds & Mortgages	Apr 2025 Transfer Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`156O M 008`

Property Details

APN / Parcel Number

Primary APN	`156O M 008`
Alternative APN	`0000094324`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,744 sqft Total Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1958
Architectural Style	Duplex Single
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Account Number	0000094324
Street Address	3003 12TH AVE
City	CHATTANOOGA
State	TN
Zip	37407-1648
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	LT 197 BLK 22 E LAKE MISSION RIDGE LD CO PB 2 PG 25
Legal Subdivision	EAST LAKE MSN RDG LAND COMPANYS
Legal Block	22
Legal Lot Number	197
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	3
Census Block	3017
Census Tract	2500

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 2, 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	3003 12TH AVE, CHATTANOOGA, TN 37407-1648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2025	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Dec 9, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage JERRY FINKLE
Dec 13, 2022	Correction Deed RELI SETTLEMENT SOLUTIONS LLC, RELI SETTLEMENT SLN LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022 · Amount on Record
Deed Sale	Dec 13, 2022 · Amount on Record
Prior Sale	Dec 9, 2022 · Amount on Record
Deed Document Number	202261
Deed Book / Page	13164 / 200
Last Transfer Date	Apr 23, 2025
Transfer Doc	0000000181
Record Updated	Jun 8, 2026

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 23, 2025
Property Address	3003 12TH AVE, CHATTANOOGA, TN 37407-1648
Document Number	0000000181
Book / Page	13900 / 630
Map Reference	MB 2 PG 25
Instrument Date	Apr 23, 2025
Instrument	2025042300181
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3003 12TH AVE, CHATTANOOGA, TN 37407-1648
Investor	Possibly a Property Investor

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 9, 2022
Property Address	3003 12TH AVE, CHATTANOOGA, TN 37407-1648
Document Number	0000000104
Book / Page	13162 / 498
Map Reference	MB 2 PG 25
Instrument Date	Dec 5, 2022
Instrument	2022120900104
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	RELI SETTLEMENT SOLUTIONS LLC, RELI SETTLEMENT SLN LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3003 12TH AVE, CHATTANOOGA, TN 37407-1648

Mortgage

Document Number	0131620502
Date	Dec 9, 2022
Instrument	13162-0502

Lender

Name	JERRY FINKLE
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2032

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 13, 2022
Property Address	3003 12TH AVE, CHATTANOOGA, TN 37407-1648
Document Number	0000000061
Book / Page	13164 / 200
Map Reference	MB 2 PG 25
Instrument Date	Nov 2, 2022
Instrument	2022121300061
Record Updated	Sep 25, 2025
Title Company	RELI SETTLEMENT SOLUTIONS LLC, RELI SETTLEMENT SLN LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7112 PANRVI LN, CHATTANOOGA, TN 37421

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	$804.00 (+84.83%)	$53,075 (+172.88%)	$212,300 (+172.88%) Land $30,000 Building $182,300
2024	$435.00 (-37.5%)	$19,450 (-37.5%)	$77,800 (-) Land $10,000 Building $67,800
2023	$696.00	$31,120 (-)	$77,800 (-) Land $10,000 Building $67,800
2022	$696.00	$31,120	$77,800 Land $10,000 Building $67,800

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 · 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 Claims	17 (1998–2011)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Sep 2011 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 12 claims

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 98% of the US · lower than 98.3% 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 268 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: T-Mobile, Verizon.

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