412 Central Dr, Chattanooga, TN 37421 Property Records

Hamilton County property record for 412 Central Dr, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,128 sqft · built 1954
Lot Size	0.281 acres (12,276 sqft)
Owner	Owner Name on Record
Last Sale	$62,500 (May 2000)
Tax Bill	$780 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`158A G 017`

Property Details

APN / Parcel Number

Primary APN	`158A G 017`
Alternative APN	`0000099069`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,128 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1980
Exterior Material	Aluminum Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,276 sqft (0.281 acres)
Lot Dimensions	186 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000099069
Street Address	412 CENTRAL DR
City	CHATTANOOGA
State	TN
Zip	37421-5110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 13 RESUB CUMBERLAND HGTS PB 15 PG 17
Legal Subdivision	CUMBERLAND HEIGHTS SUB
Legal Lot Number	13
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	1
Census Block	1022
Census Tract	3400

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	Owner Name on Record
Mailing Address	412 CENTRAL DR, CHATTANOOGA, TN 37421-5110
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 25, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2000 · Amount on Record
Deed Sale	May 12, 2000 · Amount on Record
Deed Document Number	2000051200097
Deed Book / Page	5595 / 697
Prior Transfer Date	May 11, 2000
Prior Transfer Doc	0055950697
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	412 CENTRAL DR, CHATTANOOGA, TN 37421-5110
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000198
Date	Sep 29, 2021
Book Page	12670/888
Instrument	2021092900198

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	412 CENTRAL DR, CHATTANOOGA, TN 37421-5110
Document Number	0731000108
Instrument Date	Jul 25, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 CENTRAL DR CHATTANOOGA TN 374215110, CHATTANOOGA, TN 37421-5110

Mortgage

Document Number	0731000108
Date	Jul 31, 2018
Book Page	011414/000072
Instrument	180731000108

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

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	$780.00 (+28.08%)	$51,500 (+89.16%)	$206,000 (+89.16%) Land $75,000 Building $131,000
2024	$609.00	$27,225 (-)	$108,900 (-) Land $40,000 Building $68,900
2023	$609.00	$27,225 (-)	$108,900 (-) Land $40,000 Building $68,900
2022	$609.00	$27,225	$108,900 Land $40,000 Building $68,900

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	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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.3% 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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