521 Lytle St, Chattanooga, TN 37405 Property Records

Hamilton County property record for 521 Lytle St, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,224 sqft · built 1920
Lot Size	0.204 acres (8,900 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (May 2025)
Tax Bill	$1,686 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135D W 013`

Property Details

APN / Parcel Number

Primary APN	`135D W 013`
Alternative APN	`0000059619`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,224 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1983
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,900 sqft (0.204 acres)
Lot Dimensions	178 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000059619
Street Address	521 LYTLE ST
City	CHATTANOOGA
State	TN
Zip	37405-4013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 82 NORTH SIDE LAND COS AMENDED PB4 PG47
Legal Subdivision	NORTH SIDE LAND CO A
Legal Lot Number	82
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	2
Census Block	2022
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 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
Mailing Address	521 LYTLE ST, CHATTANOOGA, TN 37405-4013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2025	Warranty Deed, Transfer · FHA Mortgage SMARTBANK
Apr 16, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Jun 19, 2017	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	2025050100077
Deed Book / Page	13908 / 830
Record Updated	Jun 8, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 1, 2025
Property Address	521 LYTLE ST, CHATTANOOGA, TN 37405-4013
Document Number	0000000077
Book / Page	13908 / 830
Map Reference	MB 4 PG 47
Instrument Date	Apr 30, 2025
Instrument	2025050100077
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,332.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 LYTLE ST, CHATTANOOGA, TN 37405-4013

Mortgage

Document Number	0013908833
Date	May 1, 2025
Instrument	13908/833

Lender

Name	SMARTBANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 16, 2021
Property Address	521 LYTLE ST, CHATTANOOGA, TN 37405-4013
Document Number	0000000178
Book / Page	12448 / 217
Map Reference	MB 4 PG 47
Instrument Date	Apr 14, 2021
Instrument	2021041600178
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CHATTANOOGA TITLE-DOWNTOWN LLC, CHATTANOOGA TTL DOWNTOWN LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 LYTLE ST, CHATTANOOGA, TN 37405-4013

Mortgage

Document Number	0012448220
Date	Apr 16, 2021
Instrument	12448/220

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jun 19, 2017
Property Address	521 LYTLE ST, CHATTANOOGA, TN 37405-4013
Document Number	0000000285
Book / Page	11078 / 796
Map Reference	MB4 PG47
Instrument Date	Jun 16, 2017
Instrument	2017061900285
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 LYTLE ST, CHATTANOOGA, TN 37405-4013
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000286
Date	Jun 19, 2017
Instrument	2017061900286

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$1,686.00 (+12.55%)	$111,300 (+66.12%)	$445,200 (+66.12%) Land $225,000 Building $220,200
2024	$1,498.00	$67,000 (-)	$268,000 (-) Land $150,000 Building $118,000
2023	$1,498.00	$67,000 (-)	$268,000 (-) Land $150,000 Building $118,000
2022	$1,498.00	$67,000	$268,000 Land $150,000 Building $118,000

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

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.

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	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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