Hamilton County property record for 38 Agnes Ave, Chattanooga, TN 37406
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,127 sqft · built 1947 |
| Lot Size | 0.186 acres (8,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $234,900 (Sep 2023) |
| Tax Bill | $866 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 137O G 017 |
| Primary APN | 137O G 017 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,127 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,100 sqft (0.186 acres) |
| Lot Dimensions | 135 ft deep x 60 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000065707 |
|---|---|
| Street Address | 38 AGNES AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37406-2705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 61 HILLSBORO HGTS NO 2 PB 14 PG 70 |
| Legal Subdivision | HILLSBORO HEIGHTS #2 |
| Legal Lot Number | 61 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 11444 |
Source: Hamilton County records, as of May 21, 2026
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 |
|---|---|
| Mailing Address | 38 AGNES AVE, CHATTANOOGA, TN 37406-2705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2025 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Sep 26, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2023 · Amount on Record |
| Deed Sale | Sep 26, 2023 · Amount on Record |
| Prior Sale | Feb 26, 1998 · Amount on Record |
| Deed Document Number | 20230926189 |
| Deed Book / Page | 13408 / 650 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 38 AGNES AVE, CHATTANOOGA, TN 37406-2705 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 875 WILLIAM BLVD, RIDGELAND, MS 39157-1384 |
| Document Number | 0000000053 |
|---|---|
| Date | Jul 8, 2025 |
| Book Page | 13974/947 |
| Instrument | 2025070800053 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 26, 2023 |
| Property Address | 38 AGNES AVE, CHATTANOOGA, TN 37406-2705 |
| Document Number | 0000000189 |
| Book / Page | 13408 / 650 |
| Map Reference | MB 14 PG 70 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 2023092600189 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ENSIGN TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $869.13 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38 AGNES AVE, CHATTANOOGA, TN 37406-2705 |
| Document Number | 0000000190 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | 13408/653 |
| Instrument | 2023092600190 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $866.00 (+27.17%) | $57,150 (+87.68%) | $228,600 (+87.68%) Land $25,000 Building $203,600 |
| 2024 | $681.00 (+114.15%) | $30,450 (+114.06%) | $121,800 (+114.06%) Land $15,000 Building $106,800 |
| 2023 | $318.00 | $14,225 (-) | $56,900 (-) Land $15,000 Building $41,900 |
| 2022 | $318.00 | $14,225 | $56,900 Land $15,000 Building $41,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 2 in force |
| Nearby Flood Claims | 11 (1980–2025) |
| Claims Outside the SFHA | 7 of 11 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% 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 272 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 |
| AT&T DSL | 100 / 20 |
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