4102 Saint Elmo Ave, Chattanooga, TN 37409 Property Records

Hamilton County property record for 4102 Saint Elmo Ave, Chattanooga, TN 37409

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,726 sqft · built 1950
Lot Size	0.378 acres (16,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Feb 2020)
Tax Bill	$1,737 (2025)
Deeds & Mortgages	Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`155O K 001`

Property Details

APN / Parcel Number

Primary APN	`155O K 001`
Alternative APN	`0000089318`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	3,726 sqft Living Area

Exterior

Year Built	Built 1950
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,500 sqft
Lot Dimensions	165 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gravity Furnace

Location & Zoning

Account Number	0000089318
Street Address	4102 SAINT ELMO AVE
City	CHATTANOOGA
State	TN
Zip	37409-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LOT 19 BLK 20 A M JOHNSONS REVISED ADDN TO ST ELMO PB N2 PG291 PB5 PG6
Legal Subdivision	JOHNSONS A M
Legal Block	20
Legal Lot Number	19
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	2
Census Block	2004
Census Tract	1800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the St. Elmo Historic District listed 1982 · 611 contributing resources · NRIS 82003976

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
Mailing Address	115 CEDAR LN, CHATTANOOGA, TN 37421-3533
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2020 · Amount on Record
Deed Sale	Feb 7, 2020 · Amount on Record
Deed Document Number	0001190328
Deed Book / Page	11903 / 28
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 7, 2020
Property Address	4102 SAINT ELMO AVE, CHATTANOOGA, TN 37409-1350
Document Number	0207000185
Book / Page	011903 / 000028
Instrument Date	Feb 7, 2020
Instrument	200207000185
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Tax	$925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CEDAR LN CHATTANOOGA TN 374213533, CHATTANOOGA, TN 37421-3533

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,737.00 (+25.32%)	$114,650 (+84.99%)	$458,600 (+84.99%) Land $93,800 Building $364,800
2024	$1,386.00	$61,975 (-)	$247,900 (-) Land $68,800 Building $179,100
2023	$1,386.00	$61,975 (-)	$247,900 (-) Land $68,800 Building $179,100
2022	$1,386.00	$61,975	$247,900 Land $68,800 Building $179,100

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.

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
Nearby Flood Policies	3 in force

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 44% of the US · above 61% of Tennessee
Wildfire Likelihood	0.07% 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 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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