Hamilton County property record for 522 Terrell St, Chattanooga, TN 37411
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 700 sqft · built 1940 |
| Lot Size | 0.174 acres (7,600 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $294 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 147P J 009 |
| Primary APN | 147P J 009 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 700 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,600 sqft (0.174 acres) |
| Lot Dimensions | 152 ft deep x 50 ft wide |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Account Number | 0000081304 |
|---|---|
| Street Address | 522 TERRELL ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37411-2819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 38 RIDGE GARDEN ADDN PB 7 PG 8 |
| Legal Subdivision | RIDGE GARDEN ADDN |
| Legal Lot Number | 38 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 6 |
| Census Block | 6025 |
| Census Tract | 3300 |
522 Terrell St, a single family home, is owned by an individual.
Source: Hamilton County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 TERRELL ST, CHATTANOOGA, TN 37411-2819 |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 522 Terrell St was $294, up 54.7% from the year before.
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 | $294.00 (+54.74%) | $19,400 (+128.24%) | $77,600 (+128.24%) Land $45,000 Building $32,600 |
| 2024 | $190.00 | $8,500 (-) | $34,000 (-) Land $15,000 Building $19,000 |
| 2023 | $190.00 | $8,500 (-) | $34,000 (-) Land $15,000 Building $19,000 |
| 2022 | $190.00 | $8,500 | $34,000 Land $15,000 Building $19,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Terrell St in Zone X, an area of minimal flood risk.
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 risk around 522 Terrell St is low, with 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 | 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.
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 285 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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