409 E Midvale Ave, Chattanooga, TN 37415 Property Records

Hamilton County property record for 409 E Midvale Ave, Chattanooga, TN 37415

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,453 sqft · built 2020
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,057 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`126D F 007.03`

Property Details

APN / Parcel Number

Primary APN	`126D F 007.03`
Alternative APN	`0000387554`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,453 sqft Living Area

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Lot Area	43,560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000387554
Street Address	409 E MIDVALE AVE
City	CHATTANOOGA
State	TN
Zip	37415-6622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 115 MIDVALE PARK PB 115 PG 62 OUT OF 126D-F-7.02 FOR 2019
Legal Subdivision	MIDVALE PARK SUB
Legal Lot Number	115
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3004
Census Tract	10700

Historic Designation

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.

Owner

Source: Hamilton County records, as of December 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	409 E MIDVALE AVE, CHATTANOOGA, TN 37415-6622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2015
Deed Sale	Jul 31, 2015
Deed Document Number	0010531961
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	409 E MIDVALE AVE, CHATTANOOGA, TN 37415-6622
Document Number	1006000297
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E MIDVALE AVE CHATTANOOGA TN 374156622, CHATTANOOGA, TN 37415-6622

Mortgage

Document Number	1006000297
Date	Oct 6, 2020
Book Page	012181/000738
Instrument	201006000297

Lender

Name	PINNACLE BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 5, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Red Bank City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,057.00 (-12.39%)	$135,775 (+29.37%)	$543,100 (+29.37%) Land $70,000 Building $473,100
2024	$2,348.00 (-43.69%)	$104,950 (-)	$419,800 (-) Land $50,000 Building $369,800
2023	$4,170.00 (+17.73%)	$104,950 (-)	$419,800 (-) Land $50,000 Building $369,800
2022	$3,542.00	$104,950	$419,800 Land $50,000 Building $369,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1978–2025)
Claims Outside the SFHA	3 of 11
Most Recent Claim	May 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 62% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 227 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

May also be available: AT&T.

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