523 Lytle St, Chattanooga, TN 37405 Property Records

Hamilton County property record for 523 Lytle St, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,768 sqft · built 2004
Lot Size	0.204 acres (8,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,500 (Apr 2017)
Tax Bill	$2,105 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`135D W 012`

Property Details

APN / Parcel Number

Primary APN	`135D W 012`
Alternative APN	`0000059618`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,768 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
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	0000059618
Street Address	523 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 81 NORTH SIDE LAND COS AMENDED PB 4 PG 47
Legal Subdivision	NORTH SIDE LAND CO A
Legal Lot Number	81
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 June 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1020 WESTBRIDGE LN, CHATTANOOGA, TN 37405-4275
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit TRUST FEDERAL CREDIT UNION
Apr 25, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2017 · Amount on Record
Deed Sale	Apr 25, 2017 · Amount on Record
Prior Sale	May 31, 2013 · Amount on Record
Deed Document Number	201731
Deed Book / Page	11032 / 299
Prior Transfer Date	May 30, 2013
Prior Transfer Doc	0000000116
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Jun 5, 2026
Property Address	523 LYTLE ST, CHATTANOOGA, TN 37405-4013
Document Number	0000000296
Book / Page	14325 / 341
Instrument Date	May 22, 2026
Instrument	2026296
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 LYTLE ST, CHATTANOOGA, TN 37405-4013

Mortgage

Document Number	0000000296,
Date	Jun 5, 2026
Book Page	14325/341
Instrument	2026296

Lender

Name	TRUST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 12, 2046

Interest

Rate	6.23%
Max Rate	-1%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 25, 2017
Property Address	523 LYTLE ST, CHATTANOOGA, TN 37405-4013
Document Number	0000000031
Book / Page	011032 / 000299
Instrument Date	Apr 21, 2017
Instrument	31
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$10.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1020 W BRIDGE LN CHATTANOOGA TN 37409, CHATTANOOGA, TN 37409

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	$2,105.00 (+1.69%)	$138,925 (+50.11%)	$555,700 (+50.11%) Land $225,000 Building $330,700
2024	$2,070.00	$92,550 (-)	$370,200 (-) Land $150,000 Building $220,200
2023	$2,070.00	$92,550 (-)	$370,200 (-) Land $150,000 Building $220,200
2022	$2,070.00	$92,550	$370,200 Land $150,000 Building $220,200

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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