522 Hamilton Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 522 Hamilton Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,410 sqft · built 2015
Lot Size	0.447 acres (19,488 sqft)
Owner	2 Individual Names on File
Last Sale	$865,000 (Aug 2021)
Tax Bill	$4,876 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135D P 027`

Property Details

APN / Parcel Number

Primary APN	`135D P 027`
Alternative APN	`0000059461`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,410 sqft Living Area

Exterior

Year Built	Built 2015
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,488 sqft (0.447 acres)
Lot Dimensions	224 ft deep x 87 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000059461
Street Address	522 HAMILTON AVE
City	CHATTANOOGA
State	TN
Zip	37405-3937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LT B FLETCHER TRACT N/R & LT 15 FRAZIER & COLVILLES ADDN TO HILL CITY PB4 PG28
Legal Subdivision	FLETCHER TRACT
Legal Lot Number	B
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1011
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

522 Hamilton Ave is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	522 HAMILTON AVE, CHATTANOOGA, TN 37405-3937
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 18, 2021	Warranty Deed, Transfer NORTH START TITLE INSURANCE AGENCY INC, NORTHGATE TITLE INS AGCY INC
Jul 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 18, 2021 · Amount on File
Deed Sale	Aug 18, 2021 · Amount on File
Prior Sale	Oct 21, 2014
Deed Document Number	2021081800056
Deed Book / Page	12613 / 667
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	522 HAMILTON AVE, CHATTANOOGA, TN 37405-3937
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000207
Date	Mar 24, 2022
Book Page	12894/395
Instrument	2022032400207

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 18, 2021
Property Address	522 HAMILTON AVE, CHATTANOOGA, TN 37405-3937
Document Number	0000000056
Book / Page	12613 / 667
Instrument Date	Aug 17, 2021
Instrument	2021081800056
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	NORTH START TITLE INSURANCE AGENCY INC, NORTHGATE TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Tax	$3,200.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 HAMILTON AVE, CHATTANOOGA, TN 37405-3937

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	522 HAMILTON AVE, CHATTANOOGA, TN 37405-3937
Document Number	0716000218
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	522 HAMILTON AVE CHATTANOOGA TN 374053937, CHATTANOOGA, TN 37405-3937

Mortgage

Document Number	0716000218
Date	Jul 16, 2018
Book Page	011401/000203
Instrument	180716000218

Lender

Name	SUNTRUST BK
Type	Bank
Address	NASHVILLE, TN 37219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 522 Hamilton Ave was $4,876, up 5.8% 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	$4,876.00 (+5.84%)	$321,700 (+56.2%)	$1,286,800 (+56.2%) Land $303,800 Building $983,000
2024	$4,607.00	$205,950 (-)	$823,800 (-) Land $202,500 Building $621,300
2023	$4,607.00	$205,950 (-)	$823,800 (-) Land $202,500 Building $621,300
2022	$4,607.00	$205,950	$823,800 Land $202,500 Building $621,300

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 522 Hamilton Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1988.

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	1 in force
Nearby Flood Claims	3 (1988–2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

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 522 Hamilton Ave 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 98% of the US · lower than 98.3% 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 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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