Hamilton County property record for 414 Harper St, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,562 sqft · built 1910 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Jan 2020) |
| Tax Bill | $1,909 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 135C S 024 |
| Primary APN | 135C S 024 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,562 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000059068 |
|---|---|
| Street Address | 414 HARPER ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 21 BLK 1 MANNING ADDN PB1 PG11 |
| Legal Subdivision | MANNING ADDN |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 800 |
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.
414 Harper St is owned and occupied by two individuals who bought it in January 2020.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 414 HARPER ST, CHATTANOOGA, TN 37405-3819 |
| 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.
| Date | Document |
|---|---|
| Aug 25, 2017 | Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK |
| Jan 31, 2020 | Warranty Deed, Transfer · Conventional Mortgage PINNACLE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2020 · Amount on File |
| Deed Sale | Jan 31, 2020 · Amount on File |
| Prior Sale | Jun 19, 2014 |
| Deed Document Number | 2020013100127 |
| Deed Book / Page | 11894 / 794 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 414 HARPER ST, CHATTANOOGA, TN 37405-3819 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000109 |
|---|---|
| Date | Aug 25, 2017 |
| Book Page | 11138/109 |
| Instrument | 2017082500109 |
| Name | PINNACLE BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 11, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 31, 2020 |
| Property Address | 414 HARPER ST, CHATTANOOGA, TN 37405-3819 |
| Document Number | 0131000127 |
| Book / Page | 011894 / 000794 |
| Instrument Date | Jan 30, 2020 |
| Instrument | 200131000127 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2020 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,665.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 414 HARPER ST CHATTANOOGA TN 374053819, CHATTANOOGA, TN 37405-3819 |
| Document Number | 131000128 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 011894/000796 |
| Instrument | 200131000128 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 30, 2050 |
The 2025 property tax bill for 414 Harper St was $1,909, up 8% 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 | $1,909.00 (+8.04%) | $125,950 (+59.43%) | $503,800 (+59.43%) Land $125,000 Building $378,800 |
| 2024 | $1,767.00 | $79,000 (-) | $316,000 (-) Land $70,000 Building $246,000 |
| 2023 | $1,767.00 | $79,000 (-) | $316,000 (-) Land $70,000 Building $246,000 |
| 2022 | $1,767.00 | $79,000 | $316,000 Land $70,000 Building $246,000 |
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 414 Harper St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.
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 File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 8 (1978–2009) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Sep 2009 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 414 Harper St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 446 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 · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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