3122 3rd Ave, Chattanooga, TN 37407 Property Records

Hamilton County property record for 3122 3rd Ave, Chattanooga, TN 37407

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 1940
Lot Size	0.141 acres (6,179 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Jan 2021)
Tax Bill	$325 (2025)
Deeds & Mortgages	Jan 2021 Sale & Line of Credit Sep 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`156O D 028`

Property Details

APN / Parcel Number

Primary APN	`156O D 028`
Alternative APN	`0000094066`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1960
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,179 sqft (0.141 acres)
Lot Dimensions	132 ft deep x 46.6 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000094066
Street Address	3122 3RD AVE
City	CHATTANOOGA
State	TN
Zip	37407-1705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 81 RUOFFS 2ND ADDN PB 6 PG 57
Legal Subdivision	RUOFFS ADDN
Legal Lot Number	81
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	2
Census Block	2045
Census Tract	2500

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

3122 3rd Ave is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3122 3RD AVE, CHATTANOOGA, TN 37407-1705
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
Jan 27, 2021	Warranty Deed, Transfer · Line of Credit BEHARI MIGUEL PEREZ ETAX
Sep 20, 2017	Loan Modification, Mortgage · Conventional Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2021 · Amount on File
Deed Sale	Jan 27, 2021 · Amount on File
Prior Sale	Mar 7, 2008
Deed Document Number	2021012700208
Deed Book / Page	12331 / 842
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 27, 2021
Property Address	3122 3RD AVE, CHATTANOOGA, TN 37407-1705
Document Number	0000000208
Book / Page	12331 / 842
Map Reference	MB 6 PG 57
Instrument Date	Jan 22, 2021
Instrument	2021012700208
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GROUP OF TENNESSEE, TITLE SERVICES OF TENNESSEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 5TH AVE, CHATTANOOGA, TN 37407-1524

Mortgage

Document Number	0012331844
Date	Jan 27, 2021
Instrument	12331/844

Lender

Name	BEHARI MIGUEL PEREZ ETAX
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	3122 3RD AVE, CHATTANOOGA, TN 37407-1705
Document Number	0000000248
Instrument Date	Sep 20, 2017
Transaction Type	Mortgage
Record Updated	Feb 26, 2018
Title Company	JONES RAULSTON TITLE INSURANCE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6507 COOLEY RD HARRISON TN 373417972, HARRISON, TN 37341-7972

Mortgage

Document Number	0000000248
Date	Nov 3, 2017
Book Page	011196/000324
Instrument	248

Lender

Name	SMARTBANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Nov 2, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 3122 3rd Ave was $325, up 62.5% 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	$325.00 (+62.5%)	$21,500 (+139.55%)	$86,000 (+139.55%) Land $30,000 Building $56,000
2024	$200.00	$8,975 (-)	$35,900 (-) Land $10,000 Building $25,900
2023	$200.00	$8,975 (-)	$35,900 (-) Land $10,000 Building $25,900
2022	$200.00	$8,975	$35,900 Land $10,000 Building $25,900

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 3122 3rd Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force

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

The area around 3122 3rd Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 451 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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