304 Nelson Rd, Chattanooga, TN 37421 Property Records

Hamilton County property record for 304 Nelson Rd, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,868 sqft · built 1952
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$156,000 (Mar 2018)
Tax Bill	$1,109 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`158A G 011`

Property Details

APN / Parcel Number

Primary APN	`158A G 011`
Alternative APN	`0000099062`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,868 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000099062
Street Address	304 NELSON RD
City	CHATTANOOGA
State	TN
Zip	37421-5137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2 PT 17 RESUB OF CUMBERLAND HGTS PB15 PG17
Legal Subdivision	OLD CRABTREE FARM
Legal Lot Number	2
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	1
Census Block	1022
Census Tract	3400

Owner

304 Nelson Rd is owned and occupied by an individual who bought it in March 2018.

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

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 File
Co-owner	Co-owner on File
Mailing Address	304 NELSON RD, CHATTANOOGA, TN 37421-5137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 23, 2020	Deed of Trust, Mortgage ISERVE RESID'L LNDG
Mar 14, 2018	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2018 · Amount on File
Deed Sale	Mar 14, 2018 · Amount on File
Prior Sale	Sep 1, 2017 · Amount on File
Deed Document Number	2018031400166
Deed Book / Page	11293 / 378
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	304 NELSON RD, CHATTANOOGA, TN 37421-5137
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000041
Date	May 14, 2021
Book Page	12485/319
Instrument	2021051400041

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	304 NELSON RD, CHATTANOOGA, TN 37421-5137
Document Number	0630000119
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	304 NELSON RD CHATTANOOGA TN 374215137, CHATTANOOGA, TN 37421-5137

Mortgage

Document Number	0630000119
Date	Jun 30, 2020
Book Page	012054/000956
Instrument	200630000119

Lender

Name	ISERVE RESID'L LNDG
Address	SAN DIEGO, CA 92127

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 14, 2018
Property Address	304 NELSON RD, CHATTANOOGA, TN 37421-5137
Document Number	0000000166
Book / Page	11293 / 378
Map Reference	MB07 PG27
Instrument Date	Mar 13, 2018
Instrument	2018031400166
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	FIRST CHOICE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 NELSON RD, CHATTANOOGA, TN 37421-5137

Mortgage

Document Number	0000000167
Date	Mar 14, 2018
Instrument	2018031400167

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 304 Nelson Rd was $1,109, up 33% 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	$1,109.00 (+32.97%)	$73,200 (+96.25%)	$292,800 (+96.25%) Land $75,000 Building $217,800
2024	$834.00	$37,300 (-)	$149,200 (-) Land $40,000 Building $109,200
2023	$834.00	$37,300 (-)	$149,200 (-) Land $40,000 Building $109,200
2022	$834.00	$37,300	$149,200 Land $40,000 Building $109,200

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 304 Nelson Rd in Zone X, an area of minimal flood risk, though there have been 62 flood claims nearby since 1979.

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	9 in force
Nearby Flood Claims	62 (1979–2015)
Claims Outside the SFHA	11 of 62
Most Recent Claim	Dec 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 14 claims Extensive Rainfall And Flash Flooding, Mar 1994 · 12 claims Severe Storms & Flooding, Feb 1990 · 6 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

Wildfire risk around 304 Nelson Rd 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 177 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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