420 E 16th St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 420 E 16th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,081 sqft · built 1930
Lot Size	0.091 acres (3,998 sqft)
Owner	Company Name on Record
Last Sale	$1,800,000 (May 2026)
Tax Bill	$577 (2025)
Deeds & Mortgages	May 2026 Sale & Line of Credit Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145MB A 007`

Property Details

APN / Parcel Number

Primary APN	`145MB A 007`
Alternative APN	`0000071428`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,081 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1949
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,998 sqft (0.091 acres)
Lot Dimensions	123 ft deep x 32.5 ft wide

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Account Number	0000071428
Old Parcel Number	145MBA 007
Street Address	420 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	PT LT 12 BLK 3 MONTAGUES ADDN NO 1 PB2 PG34
Legal Subdivision	MONTAGUES ADDN NO 1
Legal Block	3
Legal Lot Number	12
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1011
Census Tract	2000

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 August 4, 2026

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

Owner of Record	Company Name on Record
Mailing Address	400 E MAIN ST, CHATTANOOGA, TN 37408-1311
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Special Warranty Deed, Transfer · Line of Credit TENNESSEE VALLEY FEDERAL CREDIT UNION
Jan 23, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage TOWER COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Deed Document Number	20260501168
Deed Book / Page	14282 / 924
Record Updated	Sep 20, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 1, 2026
Property Address	420 E 16TH ST, CHATTANOOGA, TN 37408-1901
Document Number	0000000168
Book / Page	14282 / 924
Instrument Date	Apr 28, 2026
Instrument	2026.168
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$672,660.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	400 E MAIN ST, CHATTANOOGA, TN 37408-1311

Mortgage

Document Number	0000000169,
Date	May 1, 2026
Instrument	2026.1.169

Lender

Name	TENNESSEE VALLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.22%
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 23, 2023
Property Address	420 E 16TH ST, CHATTANOOGA, TN 37408-1901
Document Number	0000000101
Book / Page	13194 / 269
Instrument Date	Jan 13, 2023
Instrument	2023012300101
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2007, CHATTANOOGA, TN 37409-0007

Mortgage

Document Number	0131940273
Date	Jan 23, 2023
Instrument	13194-0273

Lender

Name	TOWER COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$577.00 (+71.22%)	$38,100 (+152.74%)	$152,400 (+152.74%) Land $80,000 Building $72,400
2023	$337.00	$15,075 (-)	$60,300 (-) Land $40,000 Building $20,300
2022	$337.00	$15,075	$60,300 Land $40,000 Building $20,300

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearby Flood Claims	7 (1978–2000)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Apr 2000 · 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	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.

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

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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