319 Keith St, Chattanooga, TN 37405 Property Records

Hamilton County property record for 319 Keith St, Chattanooga, TN 37405

Property Summary

Property Type	Vacant Land
Lot Size	0.163 acres (7,125 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Nov 2023)
Tax Bill	$852 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`126M J 013.01`

Property Details

APN / Parcel Number

Primary APN	`126M J 013.01`

Exterior

Lot Area	7,125 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide

Location & Zoning

Street Address	319 KEITH ST
City	CHATTANOOGA
State	TN
Zip	37405-2727
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	LT 59 AMENDED FRAZIER ADDN NO 2 PB11 PG41
Legal Subdivision	FRAZIER ADDITION NO 2
Legal Tract	1
Legal Lot Number	59
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

319 Keith St, vacant land, is owned by two individuals who bought it in November 2023.

Source: Hamilton County records, as of March 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	315 KEITH ST, CHATTANOOGA, TN 37405-2727
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
Aug 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK
Nov 3, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Jun 30, 2017	Warranty Deed, Transfer · Commercial Mortgage PINNACLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2023 · Amount on File
Deed Sale	Nov 3, 2023 · Amount on File
Prior Sale	Jun 30, 2017 · Amount on File
Deed Document Number	202393
Deed Book / Page	13440 / 468
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	319 KEITH ST, CHATTANOOGA, TN 37405-2727
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000061
Date	Aug 21, 2025
Book Page	14020/580
Instrument	2025082100061

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37064

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2040

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 3, 2023
Property Address	319 KEITH ST, CHATTANOOGA, TN 37405-2727
Document Number	0000000093
Book / Page	13440 / 468
Map Reference	MB 11 PG 41
Instrument Date	Oct 30, 2023
Instrument	2023110300093
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 KEITH ST, CHATTANOOGA, TN 37405-2727

Mortgage

Document Number	0000000094
Date	Nov 3, 2023
Instrument	2023110300094

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jun 30, 2017
Property Address	319 KEITH ST, CHATTANOOGA, TN 37405-2727
Document Number	0000000285
Book / Page	11089 / 764
Map Reference	MB11 PG41
Instrument Date	Jun 29, 2017
Instrument	2017063000285
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	CUMBERLAND TITLE & GUARANTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 KEITH ST, CHATTANOOGA, TN 37405-2727

Mortgage

Document Number	0000000286
Date	Jun 30, 2017
Instrument	2017063000286

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 29, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 319 Keith St was $852, up 1.7% 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	$852.00 (+1.67%)	$56,250 (+5%)	$225,000 (+5%) Land $225,000
2024	$838.00	$37,500 (-)	$150,000 (-) Land $150,000
2023	$838.00	$37,500 (-)	$150,000 (-) Land $150,000
2022	$838.00	$37,500	$150,000 Land $150,000

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 319 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 319 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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