303 S Howell Ave, Chattanooga, TN 37411 Property Records

Hamilton County property record for 303 S Howell Ave, Chattanooga, TN 37411

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,756 sqft · built 1952
Lot Size	0.192 acres (8,400 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Dec 2021)
Tax Bill	$1,109 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`157N C 002`

Property Details

APN / Parcel Number

Primary APN	`157N C 002`
Alternative APN	`0000097795`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,756 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1982
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	0000097795
Street Address	303 S HOWELL AVE
City	CHATTANOOGA
State	TN
Zip	37411-4847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	0111 09 03 LOT 28 BLK 12 HAMILTON PLACE S/D PB 8 PG 35
Legal Subdivision	HAMILTON PLAT SUBDIVISION
Legal Block	12
Legal Lot Number	28
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	3
Census Block	3013
Census Tract	3000

Owner

303 S Howell Ave is owned and occupied by two individuals who bought it in December 2021.

Source: Hamilton County records, as of January 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	303 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
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
Jun 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR FINANCIAL SERVICES INC
Dec 28, 2021	Warranty Deed, Transfer · VA Mortgage PRINCETON MORTGAGE CORP
Aug 16, 2021	Warranty Deed, Transfer · Commercial Mortgage SCOTT THOMAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on File
Deed Sale	Dec 28, 2021 · Amount on File
Prior Sale	Aug 16, 2021 · Amount on File
Deed Document Number	2021104
Deed Book / Page	12787 / 689
Prior Transfer Date	Jul 31, 2001
Prior Transfer Doc	0005984772
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	303 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000196
Date	Jun 12, 2017
Book Page	11072/674
Instrument	2017061200196

Lender

Name	SUPERIOR FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	CLEVELAND, TN 37312

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 14, 2032

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 28, 2021
Property Address	303 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Document Number	0000000104
Book / Page	12787 / 689
Map Reference	MB 8 PG 35
Instrument Date	Dec 21, 2021
Instrument	2021122800104
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TORO TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$888.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4827 JERSEY PIKE, CHATTANOOGA, TN 37416-2358

Mortgage

Document Number	0012787692
Date	Dec 28, 2021
Instrument	12787/692

Lender

Name	PRINCETON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 16, 2021
Property Address	303 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Document Number	0000000006
Book / Page	12609 / 275
Map Reference	MB8 PG 35
Instrument Date	Aug 12, 2021
Instrument	2021081600006
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, REGAL TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$473.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 11891, MURFREESBORO, TN 37129-0038

Mortgage

Document Number	0012609278
Date	Aug 16, 2021
Instrument	12609/278

Lender

Name	SCOTT THOMAS
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 12, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 303 S Howell Ave was $1,109, down 2.8% from the year before.

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	$1,109.00 (-2.8%)	$73,200 (+43.53%)	$292,800 (+43.53%) Land $45,000 Building $247,800
2024	$1,141.00	$51,000 (-)	$204,000 (-) Land $30,000 Building $174,000
2023	$1,141.00	$51,000 (-)	$204,000 (-) Land $30,000 Building $174,000
2022	$1,141.00	$51,000	$204,000 Land $30,000 Building $174,000

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 303 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 303 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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