493 Wayne Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 493 Wayne Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,681 sqft · built 2014
Lot Size	0.454 acres (19,800 sqft)
Owner	Owner Name on File
Last Sale	$60,000 (Dec 2013)
Tax Bill	$4,157 (2025)
Deeds & Mortgages	Feb 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`126O F 007`

Property Details

APN / Parcel Number

Primary APN	`126O F 007`
Alternative APN	`0000050648`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,681 sqft Living Area

Exterior

Year Built	Built 2014
Architectural Style	Ranch
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,800 sqft (0.454 acres)
Lot Dimensions	90 ft deep x 220 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000050648
Street Address	493 WAYNE AVE
City	CHATTANOOGA
State	TN
Zip	37405-3775
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 2 WALDEN GROUP ADDN TO VALHAMBROSIA PB 34 PG 73 REV 119-37
Legal Subdivision	WALDEN GROUP ADD
Legal Lot Number	2
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1014
Census Tract	10901

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

The current owner of 493 Wayne Ave acquired it in January 2014.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	Owner Name on File
Mailing Address	493 WAYNE AVE, CHATTANOOGA, TN 37405-3775
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2013 · Amount on File
Deed Sale	Dec 30, 2013 · Amount on File
Deed Document Number	0010133590
Deed Book / Page	10133 / 590
Last Transfer Date	Jan 6, 2014
Transfer Doc	0000000165
Record Updated	Jun 8, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	493 WAYNE AVE, CHATTANOOGA, TN 37405-3775
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 WAYNE AVE, CHATTANOOGA, TN 37405-3775

Mortgage

Document Number	0000000199
Date	Feb 28, 2025
Book Page	13849/313
Instrument	2025022800199

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.38%
Max Rate At Change	7.38%
Index	SOFR Average 30-Day
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 493 Wayne Ave was $4,157, up 23.8% from the year before.

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	$4,157.00 (+23.76%)	$274,300 (+82.68%)	$1,097,200 (+82.68%) Land $90,000 Building $1,007,200
2024	$3,359.00 (+48.04%)	$150,150 (+48%)	$600,600 (+48%) Land $60,000 Building $540,600
2023	$2,269.00	$101,450 (-)	$405,800 (-) Land $60,000 Building $345,800
2022	$2,269.00	$101,450	$405,800 Land $60,000 Building $345,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 493 Wayne Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.

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 Claims	1 (1984)
Most Recent Claim	May 1984 · tidal / storm surge

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 493 Wayne Ave is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 217 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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