306 S Howell Ave, Chattanooga, TN 37411 Property Records

Hamilton County property record for 306 S Howell Ave, Chattanooga, TN 37411

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,015 sqft · built 1945
Lot Size	0.279 acres (12,162 sqft)
Owner	Individual Name on File
Last Sale	$219,900 (Oct 2023)
Tax Bill	$919 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`157N F 013`

Property Details

APN / Parcel Number

Primary APN	`157N F 013`
Alternative APN	`0000097856`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,015 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,162 sqft (0.279 acres)
Lot Dimensions	168 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000097856
Street Address	306 S HOWELL AVE
City	CHATTANOOGA
State	TN
Zip	37411-4846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	0111 10 07 LT 4 & PT LT 5 BLK 13 HAMILTON PLACE SUB PB8 PG35
Legal Subdivision	HAMILTON PLACE
Legal Block	13
Legal Lot Number	4
Jurisdiction	HAMILTON TN
Township / Civil Division	5
Census Block Group	3
Census Block	3014
Census Tract	3000

Owner

306 S Howell Ave is owned and occupied by an individual who bought it in October 2023.

Source: Hamilton County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	306 S HOWELL AVE, CHATTANOOGA, TN 37411-4846
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
Oct 13, 2023	Warranty Deed, Transfer · FHA Mortgage LEADERONE FINANCIAL CORP
Mar 8, 2023	Warranty Deed, Transfer · Commercial Mortgage ZEPHYR INVESTMENTS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on File
Deed Sale	Oct 13, 2023 · Amount on File
Prior Sale	Mar 8, 2023 · Amount on File
Deed Document Number	2023162
Deed Book / Page	13423 / 514
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 13, 2023
Property Address	306 S HOWELL AVE, CHATTANOOGA, TN 37411-4846
Document Number	0000000162
Book / Page	13423 / 514
Map Reference	MB 8 PG 35
Instrument Date	Oct 12, 2023
Instrument	2023101300162
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$813.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 S HOWELL AVE, CHATTANOOGA, TN 37411-4846

Mortgage

Document Number	0000000163
Date	Oct 13, 2023
Instrument	2023101300163

Lender

Name	LEADERONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 8, 2023
Property Address	306 S HOWELL AVE, CHATTANOOGA, TN 37411-4846
Document Number	0000000087
Book / Page	13231 / 269
Map Reference	MB 8 PG 35
Instrument Date	Mar 2, 2023
Instrument	2023030800087
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	RP TITLE AND ESCROW LLC, RUDY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 OLDE MILL LN, HIXSON, TN 37343-2942

Mortgage

Document Number	0013231271
Date	Mar 8, 2023
Instrument	13231/271

Lender

Name	ZEPHYR INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Sep 2, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 306 S Howell Ave was $919, up 34.2% 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	$919.00 (+34.16%)	$60,650 (+98.04%)	$242,600 (+98.04%) Land $49,500 Building $193,100
2024	$685.00	$30,625 (-)	$122,500 (-) Land $33,000 Building $89,500
2023	$685.00	$30,625 (-)	$122,500 (-) Land $33,000 Building $89,500
2022	$685.00	$30,625	$122,500 Land $33,000 Building $89,500

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 306 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 306 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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