411 Central Dr, Chattanooga, TN 37421 Property Records

Hamilton County property record for 411 Central Dr, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 832 sqft · built 1945
Lot Size	0.368 acres (16,071 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (May 2021)
Tax Bill	$743 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`158A F 009`

Property Details

APN / Parcel Number

Primary APN	`158A F 009`
Alternative APN	`0000099046`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	832 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1980
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,071 sqft (0.368 acres)
Lot Dimensions	185 ft deep x 85 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000099046
Street Address	411 CENTRAL DR
City	CHATTANOOGA
State	TN
Zip	37421-5111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT PT 14 OLD CRABTREE FARM PB 7 PG 27
Legal Subdivision	SUBDIVISION OF THE OLD CRABTREE FARM
Legal Lot Number	14
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	1
Census Block	1023
Census Tract	3400

Owner

411 Central Dr is owned and occupied by an individual who bought it in May 2021.

Source: Hamilton County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	411 CENTRAL DR, CHATTANOOGA, TN 37421-5111
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.

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU
Jul 6, 2018	Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2021 · Amount on File
Deed Sale	May 25, 2021 · Amount on File
Prior Sale	Jun 2, 2015 · Amount on File
Deed Document Number	2021334
Deed Book / Page	12499 / 574
Prior Transfer Date	Feb 10, 2014
Prior Transfer Doc	0000000222
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 25, 2021
Property Address	411 CENTRAL DR, CHATTANOOGA, TN 37421-5111
Document Number	0000000334
Book / Page	12499 / 574
Map Reference	MB 7 PG 27
Instrument Date	May 21, 2021
Instrument	2021052500334
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	REALTY TITLE INC, REALTY T&E SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 CENTRAL DR, CHATTANOOGA, TN 37421-5111

Mortgage

Document Number	0012499577
Date	May 25, 2021
Instrument	12499/577

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	289 Months
Due	Jun 1, 2045

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 6, 2018
Property Address	411 CENTRAL DR, CHATTANOOGA, TN 37421-5111
Document Number	0706000008
Book / Page	011393 / 000078
Instrument Date	Jul 2, 2018
Instrument	180706000008
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	ALLIANCE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1554 N CONCORD RD CHATTANOOGA TN 374215704, CHATTANOOGA, TN 37421-5704

Mortgage

Document Number	706000009
Date	Jul 6, 2018
Book Page	011393/000081
Instrument	180706000009

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 411 Central Dr was $743, up 36.6% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

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	$743.00 (+36.58%)	$49,025 (+101.54%)	$196,100 (+101.54%) Land $75,000 Building $121,100
2024	$544.00	$24,325 (-)	$97,300 (-) Land $40,000 Building $57,300
2023	$544.00	$24,325 (-)	$97,300 (-) Land $40,000 Building $57,300
2022	$544.00	$24,325	$97,300 Land $40,000 Building $57,300

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

FEMA maps place 411 Central Dr in Zone X, an area of minimal flood risk, though there have been 62 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 Policies	9 in force
Nearby Flood Claims	62 (1979–2015)
Claims Outside the SFHA	11 of 62
Most Recent Claim	Dec 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 14 claims Extensive Rainfall And Flash Flooding, Mar 1994 · 12 claims Severe Storms & Flooding, Feb 1990 · 6 claims

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

Wildfire risk around 411 Central Dr 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 99.8% of the US · lower than 99.8% 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.

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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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