315 S Howell Ave, Chattanooga, TN 37411 Property Records

Hamilton County property record for 315 S Howell Ave, Chattanooga, TN 37411

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1960
Lot Size	0.363 acres (15,834 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (May 2026)
Tax Bill	$610 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2023 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`157N C 007`

Property Details

APN / Parcel Number

Primary APN	`157N C 007`
Alternative APN	`0000097800`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1976
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,834 sqft (0.363 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Sewer	Connected

Location & Zoning

Account Number	0000097800
Street Address	315 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	0111 09 07 LOTS 34 & 35 BLK 12 HAMILTON PLACE S/D PB 8 PG 35
Legal Subdivision	HAMILTON PLACE SUBDIVISION
Legal Block	12
Legal Lot Number	34,35
Jurisdiction	HAMILTON TN
Township / Civil Division	5
Census Block Group	3
Census Block	3013
Census Tract	3000

Owner

315 S Howell Ave is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	315 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

Date	Document
May 15, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Nov 30, 2023	Intrafamily Transfer, Transfer
Aug 9, 2023	Warranty Deed, Transfer UNKNOWN, FOUNDATION T&E SERIES LLC
Mar 9, 2023	Executor's Deed, Transfer UNKNOWN, FOUNDATION T&E SERIES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on File
Deed Sale	May 15, 2026 · Amount on File
Prior Sale	Aug 9, 2023 · Amount on File
Deed Document Number	2026169
Deed Book / Page	14300 / 103
Prior Transfer Date	Nov 28, 2023
Prior Transfer Doc	0000000194
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 15, 2026
Property Address	315 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Document Number	0000000169
Book / Page	14300 / 103
Instrument Date	May 15, 2026
Instrument	2026.169
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	BATTLEFIELD TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,556.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 S HOWELL AVE, CHATTANOOGA, TN 37411-4847

Mortgage

Document Number	0000000170,
Date	May 15, 2026
Instrument	2026.15.170

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.77%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Nov 30, 2023
Property Address	315 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Document Number	0000000194
Book / Page	13459 / 340
Map Reference	MB 8 PG 35
Instrument Date	Nov 28, 2023
Instrument	2023113000194
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	Family Revocable Trust
Address	315 S HOWELL AVE, CHATTANOOGA, TN 37411-4847

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 9, 2023
Property Address	315 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Document Number	0000000085
Book / Page	13368 / 336
Map Reference	MB 8 PG 35
Instrument Date	Aug 7, 2023
Instrument	2023080900085
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount on Record
Tax	$851.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Investor	Possibly a Property Investor

March 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 9, 2023
Property Address	315 S HOWELL AVE, CHATTANOOGA, TN 37411-4847
Document Number	0000000096
Book / Page	13232 / 376
Map Reference	MB 8 PG 35
Instrument Date	Mar 6, 2023
Instrument	2023030900096
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount on Record
Tax	$240.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1975 THRASHER PIKE, HIXSON, TN 37343-2054

Tax Assessment & Valuation

The 2025 property tax bill for 315 S Howell Ave was $610, up 0.2% 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	$610.00 (+0.16%)	$40,250 (+47.71%)	$161,000 (+47.71%) Land $56,300 Building $104,700
2024	$609.00	$27,250 (-)	$109,000 (-) Land $37,500 Building $71,500
2023	$609.00	$27,250 (-)	$109,000 (-) Land $37,500 Building $71,500
2022	$609.00	$27,250	$109,000 Land $37,500 Building $71,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 315 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 315 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.

Nearby Properties on S Howell Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures