Hamilton County property record for 403 Roy St, Chattanooga, TN 37409
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,127 sqft · built 1952 |
| Lot Size | 0.162 acres (7,072 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $647 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 155O B 042 |
| Primary APN | 155O B 042 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,127 sqft Living Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,072 sqft (0.162 acres) |
| Lot Dimensions | 123 ft deep x 57.5 ft wide |
| Heating System | Gravity Furnace |
|---|---|
| Sewer | Connected |
| Account Number | 0000089183 |
|---|---|
| Street Address | 403 ROY ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37409-1242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | PT LTS 7&8 MILLER & ELLISON PB2 PG32 |
| Legal Subdivision | MILLER & ELLISONS |
| Legal Lot Number | 7,8 8 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 1800 |
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 |
|---|---|
| Listed Area | Within Lookout Mountain Incline Railway listed 1973 · 1 contributing resources · NRIS 73001774 |
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
403 Roy St is owned and occupied by two individuals who acquired it in July 1984.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 ROY ST, CHATTANOOGA, TN 37409-1242 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Last Sale | Jul 5, 1984 |
| Deed Sale | Jul 5, 1984 |
| Deed Document Number | 0003005437 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 403 Roy St was $647, up 25.6% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $647.00 (+25.63%) | $42,750 (+85.67%) | $171,000 (+85.67%) Land $60,000 Building $111,000 |
| 2024 | $515.00 | $23,025 (-) | $92,100 (-) Land $33,800 Building $58,300 |
| 2023 | $515.00 | $23,025 (-) | $92,100 (-) Land $33,800 Building $58,300 |
| 2022 | $515.00 | $23,025 | $92,100 Land $33,800 Building $58,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Roy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 (1979–1990) |
| Most Recent Claim | Feb 1990 · Severe Storms & Flooding |
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 risk around 403 Roy St is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 64% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.09% 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 240 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 |
May also be available: Verizon.
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