Hamilton County property record for 511 Central Ave, Chattanooga, TN 37403
| Property Type | Duplex |
|---|---|
| Details | 4.5 ba · 5,264 sqft · built 1900 |
| Lot Size | 0.325 acres (14,175 sqft) |
| Owner | Company Name on Record |
| Last Sale | $725,000 (Apr 2021) |
| Tax Bill | $5,238 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146A P 010 |
| Primary APN | 146A P 010 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Stories | 2 Stories |
| Building Area | 5,264 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 14,175 sqft (0.325 acres) |
| Lot Dimensions | 135 ft deep x 105 ft wide |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000071799 |
|---|---|
| Street Address | 511 CENTRAL AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37403-2212 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R4 |
| Legal Description | LOTS 17&18 WATKINS FORTWOOD ADDN PB1 PG22 |
| Legal Subdivision | WATKINS FORTWOOD ADD |
| Legal Lot Number | 17,18 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 12400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Fort Wood Historic District listed 1979 · 106 contributing resources · NRIS 79002437 |
|---|
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 May 26, 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 | 537 MARKET ST, 400, CHATTANOOGA, TN 37402-1287 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 28, 2023 | Deed of Trust, Mortgage · Line of Credit MOUNTAIN VALLEY BANK |
| Apr 1, 2021 | Warranty Deed, Transfer · Commercial Mortgage MOUNTAIN VALLEY BANK |
| Mar 20, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on Record |
| Deed Sale | Apr 1, 2021 · Amount on Record |
| Prior Sale | Dec 22, 1997 · Amount on Record |
| Deed Document Number | 2021241 |
| Deed Book / Page | 12426 / 693 |
| Prior Transfer Date | Sep 26, 2001 |
| Prior Transfer Doc | 6012298 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 511 CENTRAL AVE, CHATTANOOGA, TN 37403-2212 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1807 TAFT HWY 82, 82, SIGNAL MOUNTAIN, TN 37377-3531 |
| Document Number | 0000000036 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 13357/280 |
| Instrument | 2023072800036 |
| Name | MOUNTAIN VALLEY BANK |
|---|---|
| Type | Bank |
| Address | DUNLAP, TN 37327 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 1, 2021 |
| Property Address | 511 CENTRAL AVE, CHATTANOOGA, TN 37403-2212 |
| Document Number | 0000000241 |
| Book / Page | 12426 / 693 |
| Map Reference | MB 1 PG 22 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 2021040100241 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,682.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 537 MARKET ST STE 400, 400, CHATTANOOGA, TN 37402-1287 |
| Investor | Possibly a Property Investor |
| Document Number | 0012426698 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 12426/698 |
| Name | MOUNTAIN VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Mar 30, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 20, 2019 |
| Property Address | 511 CENTRAL AVE, CHATTANOOGA, TN 37403-2212 |
| Document Number | 0320000171 |
| Book / Page | 011592 / 000546 |
| Instrument Date | Mar 20, 2019 |
| Instrument | 190320000171 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 511 CENTRAL AVE CHATTANOOGA TN 374032212, CHATTANOOGA, TN 37403-2212 |
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 | $5,238.00 (+30.07%) | $345,600 (+92%) | $864,000 (+92%) Land $120,000 Building $744,000 |
| 2024 | $4,027.00 | $180,000 (-) | $450,000 (-) Land $120,000 Building $330,000 |
| 2023 | $4,027.00 | $180,000 (-) | $450,000 (-) Land $120,000 Building $330,000 |
| 2022 | $4,027.00 | $180,000 | $450,000 Land $120,000 Building $330,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 233 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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