Hamilton County property record for 401 Central Ave, Chattanooga, TN 37403
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.129 acres (5,618 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,150,000 (Jul 2023) |
| Tax Bill | $663 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146A N 012 |
| Primary APN | 146A N 012 |
|---|
| Lot Area | 5,618 sqft (0.129 acres) |
|---|---|
| Lot Dimensions | 133 ft deep x 42 ft wide |
| Street Address | 401 CENTRAL AVE |
|---|---|
| City | CHATTANOOGA |
| State | TN |
| Zip | 37403-2200 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | R4 |
| Legal Description | LT 1 CENTRAL AT 4TH PROPERTIES PB 127 PG 95 |
| Legal Subdivision | HOPE & CHANDLER |
| Legal Block | 6 |
| Legal Lot Number | 1 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Fort Wood Historic District listed 1979 · 106 contributing resources · NRIS 79002437 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
401 Central Ave, vacant land, is owned by a company that bought it in July 2023.
Source: Hamilton County records, as of April 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 401 CENTRAL AVE, CHATTANOOGA, TN 37403-2200 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Commercial Mortgage TENNESSEE VALLEY FCU |
| Aug 9, 2023 | Deed of Trust, Mortgage · Commercial Mortgage THE FIDELITY DEPOSIT & DISCOUNT BANK |
| Jul 18, 2023 | Warranty Deed, Transfer FOUNDATION TITLE, FOUNDATION T&E LLC |
| May 13, 2022 | Warranty Deed, Transfer · Line of Credit SMARTBANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2023 · Amount on File |
| Deed Sale | Jul 18, 2023 · Amount on File |
| Prior Sale | Apr 19, 1995 |
| Deed Document Number | 2023103 |
| Deed Book / Page | 13348 / 49 |
| Prior Transfer Date | Mar 17, 2010 |
| Prior Transfer Doc | 0000000126 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 401 CENTRAL AVE, CHATTANOOGA, TN 37403-2200 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3221 OSAGE ST, DENVER, CO 80211-3528 |
| Document Number | 0000000131 |
|---|---|
| Date | Mar 18, 2026 |
| Book Page | 14230/904 |
| Instrument | 2026031800131 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 20, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 401 CENTRAL AVE, CHATTANOOGA, TN 37403-2200 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000092 |
|---|---|
| Date | Aug 9, 2023 |
| Book Page | 13368/388 |
| Instrument | 2023080900092 |
| Name | THE FIDELITY DEPOSIT & DISCOUNT BANK |
|---|---|
| Type | Bank |
| Address | OLD FORGE, PA 18518 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 18, 2023 |
| Property Address | 401 CENTRAL AVE, CHATTANOOGA, TN 37403-2200 |
| Document Number | 0000000103 |
| Book / Page | 13348 / 49 |
| Map Reference | MB P127 PG 95 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 2023071800103 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | FOUNDATION TITLE, FOUNDATION T&E LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,255.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 CENTRAL AVE, CHATTANOOGA, TN 37403-2200 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 13, 2022 |
| Property Address | 401 CENTRAL AVE, CHATTANOOGA, TN 37403-2200 |
| Document Number | 0000000155 |
| Book / Page | 12957 / 372 |
| Instrument Date | May 10, 2022 |
| Instrument | 2022051300155 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount on Record |
|---|---|
| Tax | $1,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3521 OSAGE ST, DENVER, CO 80211-3061 |
| Document Number | 0129570375 |
|---|---|
| Date | May 13, 2022 |
| Instrument | 12957-0375 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 401 Central Ave was $663, up 137.6% from the year before.
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 | $663.00 (+137.63%) | $43,750 (+25%) | $175,000 (+25%) Land $175,000 |
| 2024 | $279.00 | $12,500 (-) | $50,000 (-) Land $50,000 |
| 2023 | $279.00 (+25.11%) | $12,500 (+25%) | $50,000 (+25%) Land $50,000 |
| 2022 | $223.00 | $10,000 | $40,000 Land $40,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 401 Central 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.
The area around 401 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 233 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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