Hamilton County property record for 409 Derby St, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,852 sqft · built 1940 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Company Name on File |
| Last Sale | $215,000 (Feb 2025) |
| Tax Bill | $555 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Feb 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146F M 010 |
| Primary APN | 146F M 010 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,852 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000073755 |
|---|---|
| Street Address | 409 DERBY ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-1651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 4 BLK 13 GLENWOOD NO 2 AMENDED PB11 PG40 |
| Legal Subdivision | GLENWOOD NO 2 AMENDE |
| Legal Block | 13 |
| Legal Lot Number | 4 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 1200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Glenwood Historic District listed 1989 · 165 contributing resources · NRIS 89000861 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
409 Derby St is owned by a company that bought it in February 2025.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Company Name on File |
|---|---|
| Owner Type | 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 |
|---|---|
| Nov 6, 2025 | Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP |
| Feb 18, 2025 | Warranty Deed, Transfer · Commercial Mortgage DEEPHAVEN MORTGAGE LLC |
| Feb 18, 2020 | Deed of Trust, Construction Loan · Construction Mortgage FIRST VOLUNTEER BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 18, 2025 · Amount on File |
| Deed Sale | Feb 18, 2025 · Amount on File |
| Prior Sale | Jan 22, 2009 · Amount on File |
| Deed Document Number | 2025021800216 |
| Deed Book / Page | 13839 / 703 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 409 DERBY ST, CHATTANOOGA, TN 37404-1651 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5810 SHELBY OAKS DR, MEMPHIS, TN 38134-7315 |
| Document Number | 0000000059 |
|---|---|
| Date | Nov 6, 2025 |
| Book Page | 14099/299 |
| Instrument | 2025110600059 |
| Name | HOMEXPRESS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92705 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 18, 2025 |
| Property Address | 409 DERBY ST, CHATTANOOGA, TN 37404-1651 |
| Document Number | 0000000216 |
| Book / Page | 13839 / 703 |
| Map Reference | MB 11 PG 40 |
| Instrument Date | Feb 17, 2025 |
| Instrument | 2025021800216 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CONVEYANCE T&E INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $795.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000000217 |
|---|---|
| Date | Feb 18, 2025 |
| Book Page | 13839/707 |
| Instrument | 2025021800217 |
| Name | DEEPHAVEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 18, 2020 |
| Property Address | 409 DERBY ST, CHATTANOOGA, TN 37404-1651 |
| Document Number | 0218000061 |
| Book / Page | 011910 / 000793 |
| Instrument Date | Feb 12, 2020 |
| Instrument | 200218000061 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 11, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 3564 CHATTANOOGA TN 374040564, CHATTANOOGA, TN 37404-0564 |
| Document Number | 218000061 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 011910/000793 |
| Instrument | 200218000061 |
| Name | FIRST VOLUNTEER BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37416 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 17, 2030 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 409 Derby St was $555, down 23.6% 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 | $555.00 (-23.55%) | $36,675 (+13.02%) | $146,700 (+13.02%) Land $40,000 Building $106,700 |
| 2024 | $726.00 | $32,450 (-) | $129,800 (-) Land $25,000 Building $104,800 |
| 2023 | $726.00 | $32,450 (-) | $129,800 (-) Land $25,000 Building $104,800 |
| 2022 | $726.00 | $32,450 | $129,800 Land $25,000 Building $104,800 |
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.
FEMA maps place 409 Derby St 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 409 Derby St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 360 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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