320 Wayne Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 320 Wayne Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,994 sqft · built 2020
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Aug 2021)
Tax Bill	$2,783 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135B F 002.01`

Property Details

APN / Parcel Number

Primary APN	`135B F 002.01`
Alternative APN	`0000387374`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,994 sqft Living Area

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000387374
Street Address	320 WAYNE AVE
City	CHATTANOOGA
State	TN
Zip	37405-3738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 118 VALHAMBROSIA PB 4 PG 17 18 OUT OF 135B F 002 FOR 2019
Legal Subdivision	VALHAMBROSIA
Legal Lot Number	118
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1010
Census Tract	10901

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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	320 WAYNE AVE, CHATTANOOGA, TN 37405-3738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jan 3, 2020	Warranty Deed, Transfer · Conventional with PMI CMG FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2021 · Amount on Record
Deed Sale	Aug 13, 2021 · Amount on Record
Deed Document Number	2021081300093
Deed Book / Page	12607 / 928
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	320 WAYNE AVE, CHATTANOOGA, TN 37405-3738
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 WAYNE AVE, CHATTANOOGA, TN 37405-3738

Mortgage

Document Number	0000000124
Date	Jul 7, 2022
Book Page	13017/844
Instrument	2022070700124

Lender

Name	PINNACLE BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 13, 2021
Property Address	320 WAYNE AVE, CHATTANOOGA, TN 37405-3738
Document Number	0000000093
Book / Page	12607 / 928
Map Reference	MB 4 PG 17-18
Instrument Date	Aug 5, 2021
Instrument	2021081300093
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,609.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 WAYNE AVE, CHATTANOOGA, TN 37405-3738

Mortgage

Document Number	0012607930
Date	Aug 13, 2021
Instrument	12607/930

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 3, 2020
Property Address	320 WAYNE AVE, CHATTANOOGA, TN 37405-3738
Document Number	0103000055
Book / Page	011868 / 000228
Instrument Date	Dec 31, 2019
Instrument	200103000055
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,487.32
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	324 WAYNE AVE CHATTANOOGA TN 37405, CHATTANOOGA, TN 37405

Mortgage

Document Number	103000056
Date	Jan 3, 2020
Book Page	011868/000230
Instrument	200103000056

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2050

Tax Assessment & Valuation

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	$2,783.00 (+0.36%)	$183,675 (+48.15%)	$734,700 (+48.15%) Land $90,000 Building $644,700
2024	$2,773.00	$123,975 (-)	$495,900 (-) Land $60,000 Building $435,900
2023	$2,773.00	$123,975 (-)	$495,900 (-) Land $60,000 Building $435,900
2022	$2,773.00	$123,975	$495,900 Land $60,000 Building $435,900

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

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 Claims	1 (1984)
Most Recent Claim	May 1984 · tidal / storm surge

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

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

Wildfire Risk	Low lower than 65% of the US · above 51% 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 217 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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