Hamilton County property record for 474 River St, Chattanooga, TN 37405
| Property Type | Condominium |
|---|---|
| Details | 678 sqft · built 1966 |
| Lot Size | 3.72 acres (162,288 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Sep 2023) |
| Tax Bill | $708 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 135E N 023 C474 |
| Primary APN | 135E N 023 C474 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 678 sqft Living Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Lot Area | 162,288 sqft (3.72 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000060084 |
|---|---|
| Street Address | 474 RIVER ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-4158 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | RIVIERA VILLAS PB32 PG89-1 UNIT 474 AND COMMUNITY INTEREST |
| Legal Subdivision | RIVIERA VILLAS |
| Legal Lot Number | UNIT |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 600 |
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.
Source: Hamilton County records, as of March 25, 2026
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 | 474 RIVER ST, CHATTANOOGA, TN 37405-4158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 4, 2018 | Warranty Deed, Transfer · Conventional with PMI FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2023 · Amount on Record |
| Deed Sale | Sep 12, 2023 · Amount on Record |
| Prior Sale | Sep 4, 2018 · Amount on Record |
| Deed Document Number | 202377 |
| Deed Book / Page | 13396 / 595 |
| Prior Transfer Date | Apr 4, 2014 |
| Prior Transfer Doc | 0000000083 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 12, 2023 |
| Property Address | 474 RIVER ST, CHATTANOOGA, TN 37405-4158 |
| Document Number | 0000000077 |
| Book / Page | 13396 / 595 |
| Map Reference | MB 32 PG 89-1&89-2 |
| Instrument Date | Sep 8, 2023 |
| Instrument | 2023091200077 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $740.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 474 RIVER ST, FLORENCE, SC 29502 |
| Document Number | 0000000078 |
|---|---|
| Date | Sep 12, 2023 |
| Instrument | 2023091200078 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 4, 2018 |
| Property Address | 474 RIVER ST, CHATTANOOGA, TN 37405-4158 |
| Document Number | 0904000280 |
| Book / Page | 011443 / 000738 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 180904000280 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2018 |
| Title Company | JONES RAULSTON TITLE INSURANCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $553.15 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 474 RIVER ST CHATTANOOGA TN 374054158, CHATTANOOGA, TN 37405-4158 |
| Document Number | 904000281 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 011443/000742 |
| Instrument | 180904000281 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 3, 2048 |
Source: Hamilton County assessment roll, as of January 2, 2026
| 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 | $708.00 (-9.58%) | $46,725 (+33.5%) | $186,900 (+33.5%) Land $60,000 Building $126,900 |
| 2024 | $783.00 | $35,000 (-) | $140,000 (-) Land $50,000 Building $90,000 |
| 2023 | $783.00 | $35,000 (-) | $140,000 (-) Land $50,000 Building $90,000 |
| 2022 | $783.00 | $35,000 | $140,000 Land $50,000 Building $90,000 |
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.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 2 (2003–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2017 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 140 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, DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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