309 S Howell Ave, Chattanooga, TN 37411 Property Records

Hamilton County property record for 309 S Howell Ave, Chattanooga, TN 37411

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,596 sqft · built 1946
Lot Size	0.259 acres (11,300 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Sep 2024)
Tax Bill	$754 (2025)
Deeds & Mortgages	Sep 2024 Sale
Flood Zone	Zone AE (high risk)
APN	`157N C 005`

Property Details

APN / Parcel Number

Primary APN	`157N C 005`
Alternative APN	`0000097798`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,596 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1974
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,300 sqft (0.259 acres)
Lot Dimensions	113 ft deep x 100 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	0000097798
Street Address	309 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	PT LST 31 & 32 BLK 12 HAMILTON PLACE SUB PB 8 PG 35 0111 09 05
Legal Subdivision	1
Legal Block	12
Legal Lot Number	31-32
Jurisdiction	HAMILTON TN
Township / Civil Division	5
Census Block Group	3
Census Block	3013
Census Tract	3000

Owner

309 S Howell Ave is owned and occupied by two individuals who bought it in September 2024.

Source: Hamilton County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	309 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2024 · Amount on File
Deed Sale	Sep 10, 2024 · Amount on File
Prior Sale	Aug 25, 1995 · Amount on File
Deed Document Number	202480
Deed Book / Page	13702 / 116
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 10, 2024
Property Address	309 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Document Number	0000000080
Book / Page	13702 / 116
Map Reference	MB 8 PG 35
Instrument Date	Aug 29, 2024
Instrument	2024091000080
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNITED TITLE AND ESCROW LLC, UNITY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Tax	$333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 S HOWELL AVE, CHATTANOOGA, TN 37411-4847

Tax Assessment & Valuation

The 2025 property tax bill for 309 S Howell Ave was $754, down 6.6% 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	$754.00 (-6.57%)	$49,800 (+38.05%)	$199,200 (+38.05%) Land $56,300 Building $142,900
2024	$807.00	$36,075 (-)	$144,300 (-) Land $37,500 Building $106,800
2023	$807.00	$36,075 (-)	$144,300 (-) Land $37,500 Building $106,800
2022	$807.00	$36,075	$144,300 Land $37,500 Building $106,800

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

FEMA maps place 309 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 309 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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