503 Forest Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 503 Forest Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	5 ba · 5,288 sqft · built 2020
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$2,225,000 (Aug 2025)
Tax Bill	$6,963 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`135D R 010.01`

Property Details

APN / Parcel Number

Primary APN	`135D R 010.01`
Alternative APN	`0000059488`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	5,288 sqft Living Area
Gross Area	960 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000059488
Street Address	503 FOREST AVE
City	CHATTANOOGA
State	TN
Zip	37405-3926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LT 15 BLK A FRAZIER & COLVILLES ADDN TO HILL CITY AMENDED PB4 PG28
Legal Subdivision	FRAZIER & COLVILLES
Legal Block	A
Legal Lot Number	15
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1012
Census Tract	600

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 April 2, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FIDELITY DEPOSIT & DISCOUNT BANK
Aug 28, 2025	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FIDELITY DEPOSIT & DISCOUNT BANK
May 2, 2022	Warranty Deed, Transfer FIRST CITIZENS BANK & TRUST CO
Feb 19, 2021	Warranty Deed, Transfer · Conventional Mortgage THE FIDELITY DEPOSIT & DISCOUNT BAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2025 · Amount on Record
Deed Sale	Aug 28, 2025 · Amount on Record
Prior Sale	May 2, 2022 · Amount on Record
Deed Document Number	202512
Deed Book / Page	14026 / 370
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926

Mortgage

Document Number	0000000276
Date	Dec 29, 2025
Book Page	14151/102
Instrument	2025122900276

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.1%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000211
Date	Feb 19, 2021
Book Page	12362/716
Instrument	2021021900211

Lender

Name	THE FIDELITY DEPOSIT & DISCOUNT BANK
Type	Bank
Address	DALLAS, PA 18612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 28, 2025
Property Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926
Document Number	0000000012
Book / Page	14026 / 370
Map Reference	MB 4 PG 28
Instrument Date	Aug 25, 2025
Instrument	2025082800012
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,232.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926

Mortgage

Document Number	0014026374
Date	Aug 28, 2025
Instrument	14026/374

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	CUMBERLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000211
Date	Feb 19, 2021
Book Page	12362/716
Instrument	2021021900211

Lender

Name	THE FIDELITY DEPOSIT & DISCOUNT BANK
Type	Bank
Address	DALLAS, PA 18612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 2, 2022
Property Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926
Document Number	0000000212
Book / Page	12942 / 239
Instrument Date	Apr 27, 2022
Instrument	2022050200212
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,955.00
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	503 FOREST AVE # 505, 505, CHATTANOOGA, TN 37405-3926

Mortgage

Document Number	0129420243
Date	May 2, 2022
Instrument	12942-0243

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 19, 2021
Property Address	503 FOREST AVE, CHATTANOOGA, TN 37405-3926
Document Number	0000000147
Book / Page	12362 / 145
Map Reference	MB 12 PG 9
Instrument Date	Feb 16, 2021
Instrument	2021021900147
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CHATTANOOGA TITLE-DOWNTOWN LLC, CHATTANOOGA TITLE DOWNTOWN L

Transaction

Amount	Amount Recorded
Tax	$603.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 E NORRIS ST, PHILADELPHIA, PA 19125-1952
Investor	Possibly a Property Investor

Mortgage

Document Number	0012362702
Date	Feb 19, 2021
Instrument	12362/702

Lender

Name	THE FIDELITY DEPOSIT & DISCOUNT BAN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

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	$6,963.00 (+22.78%)	$459,450 (+81.24%)	$1,837,800 (+81.24%) Land $225,000 Building $1,612,800
2024	$5,671.00	$253,500 (-)	$1,014,000 (-) Land $150,000 Building $864,000
2023	$5,671.00	$253,500 (-)	$1,014,000 (-) Land $150,000 Building $864,000
2022	$5,671.00	$253,500	$1,014,000 Land $150,000 Building $864,000

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	1 in force
Nearby Flood Claims	3 (1988–2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

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 564 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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