309 Keith St, Chattanooga, TN 37405 Property Records

Hamilton County property record for 309 Keith St, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,360 sqft · built 2006
Lot Size	0.163 acres (7,125 sqft)
Owner	Trust Name on File
Last Sale	$300,000 (Apr 2005)
Tax Bill	$2,526 (2025)
Deeds & Mortgages	Oct 2023 Transfer Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`126M J 014`

Property Details

APN / Parcel Number

Primary APN	`126M J 014`
Alternative APN	`0000050107`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,360 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,125 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000050107
Street Address	309 KEITH ST
City	CHATTANOOGA
State	TN
Zip	37405-2727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 56 AMENDED FRAZIER ADDN NO 2 PB 11 PG 41
Legal Subdivision	FRAZIER ADDN NO 2
Legal Lot Number	56
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1007
Census Tract	600

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

309 Keith St is owner-occupied and held in a trust since October 2023.

Source: Hamilton County records, as of July 21, 2026

Owner of Record	Trust Name on File
Mailing Address	309 KEITH ST, CHATTANOOGA, TN 37405-2727
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 16, 2023	Intrafamily Transfer, Transfer
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Oct 5, 2017	Loan Modification, Mortgage · Conventional Mortgage SOUTHERN CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2005 · Amount on File
Deed Sale	Apr 21, 2005 · Amount on File
Deed Document Number	2005123
Deed Book / Page	7503 / 673
Last Transfer Date	Oct 4, 2023
Transfer Doc	0000000129
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Oct 16, 2023
Property Address	309 KEITH ST, CHATTANOOGA, TN 37405-2727
Document Number	0000000129
Book / Page	13423 / 970
Map Reference	MB 11 PG 41
Instrument Date	Oct 4, 2023
Instrument	2023101600129
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	309 KEITH ST, CHATTANOOGA, TN 37405-2727

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	309 KEITH ST, CHATTANOOGA, TN 37405-2727
Document Number	0820000173
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 KEITH ST CHATTANOOGA TN 374052727, CHATTANOOGA, TN 37405-2727

Mortgage

Document Number	0820000173
Date	Aug 20, 2019
Book Page	011734/000558
Instrument	190820000173

Lender

Name	NEWREZ LLC
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 19, 2034

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	309 KEITH ST, CHATTANOOGA, TN 37405-2727
Document Number	0000000228
Book / Page	011184 / 000664
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 KEITH ST CHATTANOOGA TN 374052727, CHATTANOOGA, TN 37405-2727

Mortgage

Document Number	0000000228
Date	Oct 23, 2017
Book Page	011184/000664
Instrument	228

Lender

Name	SOUTHERN CMNTY BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 22, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 309 Keith St was $2,526, down 0.9% 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	$2,526.00 (-0.86%)	$166,675 (+46.33%)	$666,700 (+46.33%) Land $225,000 Building $441,700
2024	$2,548.00	$113,900 (-)	$455,600 (-) Land $150,000 Building $305,600
2023	$2,548.00	$113,900 (-)	$455,600 (-) Land $150,000 Building $305,600
2022	$2,548.00	$113,900	$455,600 Land $150,000 Building $305,600

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 309 Keith St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1988.

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	1 in force
Nearby Flood Claims	3 (1988–2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

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 309 Keith St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 564 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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