3228 Through St, Chattanooga, TN 37411 Property Records

Hamilton County property record for 3228 Through St, Chattanooga, TN 37411

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,228 sqft · built 1940
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Feb 2024)
Tax Bill	$696 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`147A L 009`

Property Details

APN / Parcel Number

Primary APN	`147A L 009`
Alternative APN	`0000078100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,228 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000078100
Street Address	3228 THROUGH ST
City	CHATTANOOGA
State	TN
Zip	37411-1358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 43 44 KELLEY & DEFRIESE PB10 PG4
Legal Subdivision	KELLEY & DEFRIESE
Legal Lot Number	43
Jurisdiction	HAMILTON TN
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	3200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3228 THROUGH ST, CHATTANOOGA, TN 37411-1358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Sep 6, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Nov 1, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Nov 1, 2018	Quit Claim Deed, Transfer FIRST TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2024 · Amount on Record
Deed Sale	Feb 5, 2024 · Amount on Record
Prior Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	2024131
Deed Book / Page	13505 / 330
Prior Transfer Date	Sep 28, 2018
Prior Transfer Doc	0000000187
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 5, 2024
Property Address	3228 THROUGH ST, CHATTANOOGA, TN 37411-1358
Document Number	0000000131
Book / Page	13505 / 330
Map Reference	MB 10 PG 4
Instrument Date	Feb 2, 2024
Instrument	2024020500131
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$666.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 THROUGH ST, CHATTANOOGA, TN 37411-1358

Mortgage

Document Number	0000000132
Date	Feb 5, 2024
Instrument	2024020500132

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 6, 2019
Property Address	3228 THROUGH ST, CHATTANOOGA, TN 37411-1358
Document Number	0906000075
Book / Page	011751 / 000075
Instrument Date	Aug 7, 2019
Instrument	190906000075
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	PREMIER TITLE INSURANCE AGENCY, PIONEER TITLE INS AGCY

Transaction

Amount	Amount Recorded
Tax	$336.70
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 THROUGH ST CHATTANOOGA TN 374111358, CHATTANOOGA, TN 37411-1358

Mortgage

Document Number	906000076
Date	Sep 6, 2019
Book Page	011751/000077
Instrument	190906000076

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2049

Mortgage

Document Number	906000077,
Date	Sep 6, 2019
Book Page	011751/000094
Instrument	190906000077

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	502 DEADERICK ST, NASHVILLE, TN 37243-0200

Agreement

Amount	Amount Recorded

November 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	HAMILTON TN
Recording Date	Nov 1, 2018
Property Address	3228 THROUGH ST, CHATTANOOGA, TN 37411-1358
Document Number	1101000186
Book / Page	011492 / 000485
Instrument Date	Oct 30, 2018
Instrument	181101000186
Transaction Type	Transfer
Record Updated	Nov 19, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 COUNTY ROAD 682 CEDAR BLUFF AL 359594444, CEDAR BLUFF, AL 35959-4444

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 1, 2018
Property Address	3228 THROUGH ST, CHATTANOOGA, TN 37411-1358
Document Number	1101000187
Book / Page	011492 / 000489
Instrument Date	Sep 28, 2018
Instrument	181101000187
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	FIRST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 COUNTY ROAD 682 CEDAR BLUFF AL 359594444, CEDAR BLUFF, AL 35959-4444

Tax Assessment & Valuation

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	$696.00 (+34.88%)	$45,975 (+99.24%)	$183,900 (+99.24%) Land $34,500 Building $149,400
2024	$516.00	$23,075 (-)	$92,300 (-) Land $23,000 Building $69,300
2023	$516.00	$23,075 (-)	$92,300 (-) Land $23,000 Building $69,300
2022	$516.00	$23,075	$92,300 Land $23,000 Building $69,300

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

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	2 (2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 2 claims

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 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.02% 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 431 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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