Hamilton County property record for 3520 Lamar Ave, Chattanooga, TN 37415
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 896 sqft · built 1945 |
| Lot Size | 0.463 acres (20,208 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $763 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 108M E 019 |
| Primary APN | 108M E 019 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 20,208 sqft (0.463 acres) |
| Lot Dimensions | 200 ft deep x 65 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000033115 |
|---|---|
| Street Address | 3520 LAMAR AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37415-4516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 14 BLK D LAUREL HILL EXT PB 14 PG 72 |
| Legal Subdivision | LAUREL HILL EXT |
| Legal Block | D |
| Legal Lot Number | 13,14 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 10800 |
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.
3520 Lamar Ave, a single family home, is owned by two individuals.
Source: Hamilton County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 200 CRISMAN ST, CHATTANOOGA, TN 37415-4624 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3520 LAMAR AVE, CHATTANOOGA, TN 37415-4516 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3520 LAMAR AVE, CHATTANOOGA, TN 37415-4516 |
| Document Number | 0000000036 |
|---|---|
| Date | May 30, 2024 |
| Book Page | 13605/659 |
| Instrument | 2024053000036 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37415 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 25, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3520 Lamar Ave was $763, up 8.4% from the year before.
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Red Bank City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $763.00 (+8.38%) | $50,350 (+59.84%) | $201,400 (+59.84%) Land $70,000 Building $131,400 |
| 2024 | $704.00 (-45.85%) | $31,500 (-) | $126,000 (-) Land $40,000 Building $86,000 |
| 2023 | $1,300.00 (+19.16%) | $31,500 (-) | $126,000 (-) Land $40,000 Building $86,000 |
| 2022 | $1,091.00 | $31,500 | $126,000 Land $40,000 Building $86,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3520 Lamar Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3520 Lamar Ave is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 57% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 236 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 |
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