520 River St, Chattanooga, TN 37405 Property Records

Hamilton County property record for 520 River St, Chattanooga, TN 37405

Property Summary

Property Type	Condominium
Details	1,267 sqft · built 1966
Lot Size	1 acre (43,560 sqft)
Owner	2 Owner Names on File
Last Sale	$162,500 (Oct 2014)
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`135E N 023 C520`

Property Details

APN / Parcel Number

Primary APN	`135E N 023 C520`
Alternative APN	`0000060098`

Interior

Stories	1 Story
Building Area	1,267 sqft Living Area

Exterior

Year Built	Built 1966
Exterior Material	Brick
Roof Material	Other
Lot Area	43,560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000060098
Street Address	520 RIVER ST
City	CHATTANOOGA
State	TN
Zip	37405-4100
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	RIVIERA VILLAS PB32 PG89-1 UNIT 520 AND COMMUNITY INTEREST
Legal Subdivision	RIVIERA VILLAS
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3012
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

The current owner of 520 River St bought it in October 2014.

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

Owner of Record	2 Owner Names on File
Mailing Address	520 RIVER ST, CHATTANOOGA, TN 37405-4100
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	2 Names on Deed
Last Sale	Oct 13, 2014 · Amount on File
Deed Sale	Oct 13, 2014 · Amount on File
Prior Sale	Mar 2, 2004 · Amount on File
Deed Document Number	2014101300019
Deed Book / Page	10320 / 130
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	520 RIVER ST, CHATTANOOGA, TN 37405-4100
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY AND TRUST, TITLE GUARANTY & TRUST

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000128
Date	Nov 26, 2024
Book Page	13772/59
Instrument	2024112600128

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 25, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 520 River St was $1,072, down 10.8% 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	$1,072.00 (-10.82%)	$70,775 (+31.67%)	$283,100 (+31.67%) Land $60,000 Building $223,100
2024	$1,202.00	$53,750 (-)	$215,000 (-) Land $50,000 Building $165,000
2023	$1,202.00	$53,750 (-)	$215,000 (-) Land $50,000 Building $165,000
2022	$1,202.00	$53,750	$215,000 Land $50,000 Building $165,000

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.

Flood

FEMA maps place 520 River St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	2 (2003–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2017

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 520 River St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 140 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 · Fiber, DSL in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20