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3109 E 31st St, Chattanooga, TN 37407 Property Records

Hamilton County property record for 3109 E 31st St, Chattanooga, TN 37407

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,580 sqft · built 1950
Lot Size1.16 acres (50,529 sqft)
Owner2 Individual Names on File
Last Sale$76,280 (May 2019)
Tax Bill$482 (2025)
Deeds & MortgagesMay 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN168B T 027

Property Details

APN / Parcel Number

Primary APN168B T 027
Alternative APN
  • 0000108346

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,580 sqft Living Area

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1966
Architectural StyleRanch
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area50,529 sqft (1.16 acres)
Lot Dimensions188 ft deep x 267 ft wide
Garage TypeCarport
Garage Area576 sqft
CarportCarport
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone
SewerConnected

Location & Zoning

Account Number0000108346
Street Address3109 E 31ST ST
CityCHATTANOOGA
StateTN
Zip37407-1625
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionLT 646 & 647 & PT LT 645 BLK 44 E LAKE MISSION RIDGE LD OC PB 2 PG 25 0143 06 001&
Legal SubdivisionMISSION RIDE LAND COMPANYS SU
Legal Block44
Legal Lot Number646 647
JurisdictionHAMILTON TN
Township / Civil Division4
Census Block Group1
Census Block1018
Census Tract2500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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

3109 E 31st St is owned and occupied by two individuals who bought it in May 2019.

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 Record2 Individual Names on File
Mailing Address3109 E 31ST ST, CHATTANOOGA, TN 37407-1625
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 20, 2019 · Amount on File
Deed SaleMay 20, 2019 · Amount on File
Prior SaleOct 27, 1997 · Amount on File
Deed Document Number2019052000034
Deed Book / Page11645 / 095
Record UpdatedJun 8, 2026

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateMay 20, 2019
Property Address3109 E 31ST ST, CHATTANOOGA, TN 37407-1625
Document Number0520000034
Book / Page011645 / 000095
Instrument DateMay 17, 2019
Instrument190520000034
Transaction TypeTransfer
Record UpdatedJun 6, 2019
Title CompanyREALTY TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$282.24
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3109 E 31ST ST CHATTANOOGA TN 374071625, CHATTANOOGA, TN 37407-1625

Mortgage

Document Number520000035
DateMay 20, 2019
Book Page011645/000097
Instrument190520000035
Lender
NameCARRINGTON MTG SVCS
AddressANAHEIM, CA 92806
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueMay 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3109 E 31st St was $482, up 13.1% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$482.00 (+13.15%)$31,850 (+66.97%)$127,400 (+66.97%) Land $42,000 Building $85,400
2024$426.00$19,075 (-)$76,300 (-) Land $14,000 Building $62,300
2023$426.00$19,075 (-)$76,300 (-) Land $14,000 Building $62,300
2022$426.00$19,075$76,300 Land $14,000 Building $62,300

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 3109 E 31st St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3109 E 31st 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 RiskLow
lower than 63% of the US · above 53% of Tennessee
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 207 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
EPB
Fiber		100,000 / 100,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T, T-Mobile.

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