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

Hamilton County property record for 515 E 16th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,425 sqft · built 2009
Lot Size	0.115 acres (5,014 sqft)
Owner	Company Name on Record
Last Sale	$299,000 (May 2018)
Tax Bill	$1,941 (2025)
Deeds & Mortgages	Aug 2023 Transfer May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145L J 023`

Property Details

APN / Parcel Number

Primary APN	`145L J 023`
Alternative APN	`0000070918`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,425 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,014 sqft (0.115 acres)
Lot Dimensions	134 ft deep x 38 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000070918
Street Address	515 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	RES FULL VALUE FOR 2010 LOT 7 SAM ERWINS SUB PB5 PG54
Legal Subdivision	ERWINS SAM
Legal Lot Number	7
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 March 25, 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	515 E 16TH ST, CHATTANOOGA, TN 37408-2102
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Intrafamily Transfer, Transfer
May 9, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2018 · Amount on Record
Deed Sale	May 9, 2018 · Amount on Record
Prior Sale	May 7, 2012 · Amount on Record
Deed Document Number	201879
Deed Book / Page	11342 / 51
Last Transfer Date	Aug 17, 2023
Transfer Doc	0000000065
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Aug 31, 2023
Property Address	515 E 16TH ST, CHATTANOOGA, TN 37408-2102
Document Number	0000000065
Book / Page	13387 / 474
Map Reference	MB 5 PG 54
Instrument Date	Aug 17, 2023
Instrument	2023083100065
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	515 E 16TH ST, CHATTANOOGA, TN 37408-2102

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 9, 2018
Property Address	515 E 16TH ST, CHATTANOOGA, TN 37408-2102
Document Number	0000000079
Book / Page	011342 / 000051
Instrument Date	May 8, 2018
Instrument	79
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,106.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	515 E 16TH ST CHATTANOOGA TN 374082102, CHATTANOOGA, TN 37408-2102

Mortgage

Document Number	80
Date	May 9, 2018
Book Page	011342/000053
Instrument	80

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2048

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	$1,941.00 (+7.77%)	$128,075 (+59.05%)	$512,300 (+59.05%) Land $100,000 Building $412,300
2024	$1,801.00	$80,525 (-)	$322,100 (-) Land $55,000 Building $267,100
2023	$1,801.00	$80,525 (-)	$322,100 (-) Land $55,000 Building $267,100
2022	$1,801.00	$80,525	$322,100 Land $55,000 Building $267,100

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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