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

Hamilton County property record for 509 E 16th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,577 sqft · built 2009
Lot Size	0.11 acres (4,824 sqft)
Owner	Individual Name on Record
Last Sale	$465,000 (Nov 2025)
Tax Bill	$1,797 (2025)
Deeds & Mortgages	Nov 2025 Sale Aug 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`145L J 026`

Property Details

APN / Parcel Number

Primary APN	`145L J 026`
Alternative APN	`0000070921`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,577 sqft Living Area

Exterior

Year Built	Built 2009
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,824 sqft (0.11 acres)
Lot Dimensions	134 ft deep x 36 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000070921
Street Address	509 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RES FULL VALUE FOR 2010 LOT 4 SAM ERWINS SUB PB5 PG54
Legal Subdivision	ERWINS SAM
Legal Lot Number	4
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1113
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 December 31, 2025

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
Co-owner	Co-owner on Record
Mailing Address	509 E 16TH ST, CHATTANOOGA, TN 37408-2102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer NORTH AMERICAN TITLE COMPANY, NORTH & MAIN TITLE CO
Aug 8, 2025	Deed of Trust, Mortgage · Line of Credit FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Apr 22, 2009 · Amount on Record
Deed Document Number	2025112100183
Deed Book / Page	14115 / 435
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 21, 2025
Property Address	509 E 16TH ST, CHATTANOOGA, TN 37408-2102
Document Number	0000000183
Book / Page	14115 / 435
Map Reference	MB 5 PG 54
Instrument Date	Nov 21, 2025
Instrument	2025112100183
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH & MAIN TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E 16TH ST, CHATTANOOGA, TN 37408-2102

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	509 E 16TH ST, CHATTANOOGA, TN 37408-2102
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E 16TH ST, CHATTANOOGA, TN 37408-2102

Mortgage

Document Number	0000000030
Date	Aug 8, 2025
Book Page	14007/680
Instrument	2025080800030

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,797.00 (-3.9%)	$118,575 (+41.84%)	$474,300 (+41.84%) Land $100,000 Building $374,300
2024	$1,870.00	$83,600 (-)	$334,400 (-) Land $55,000 Building $279,400
2023	$1,870.00	$83,600 (-)	$334,400 (-) Land $55,000 Building $279,400
2022	$1,870.00	$83,600	$334,400 Land $55,000 Building $279,400

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.

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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