Hamilton County property record for 532 Central Ave, Chattanooga, TN 37403
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 979 sqft · built 1920 |
| Lot Size | 0.202 acres (8,803 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $563 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2024 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 146A Q 043 |
| Primary APN | 146A Q 043 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 979 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,803 sqft (0.202 acres) |
| Lot Dimensions | 222 ft deep x 40 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000071855 |
|---|---|
| Street Address | 532 CENTRAL AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37403-2213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | PT LT K&L KEY RICHMOND & HART TRACT PB B6 PG 569 |
| Legal Subdivision | KEY RICHMOND & HART |
| Legal Lot Number | H,L |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1100 |
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.
532 Central Ave is owned by an individual who acquired it in August 2005.
Source: Hamilton County records, as of July 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7715 VISTA HILLS DR, CHATTANOOGA, TN 37416-2611 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jul 11, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 31, 2005 |
| Transfer Doc | 0000000240 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 532 CENTRAL AVE, CHATTANOOGA, TN 37403-2213 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 7715 VISTA HILLS DR, CHATTANOOGA, TN 37416-2611 |
| Document Number | 0000000115 |
|---|---|
| Date | Mar 12, 2026 |
| Book Page | 14224/719 |
| Instrument | 2026031200115 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 532 CENTRAL AVE, CHATTANOOGA, TN 37403-2213 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000007 |
|---|---|
| Date | Jul 11, 2024 |
| Book Page | 13645/932 |
| Instrument | 2024071100007 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2044 |
The 2025 property tax bill for 532 Central Ave was $563, up 11.3% 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 | $563.00 (+11.26%) | $37,175 (+64.13%) | $148,700 (+64.13%) Land $60,000 Building $88,700 |
| 2024 | $506.00 | $22,650 (-) | $90,600 (-) Land $40,000 Building $50,600 |
| 2023 | $506.00 | $22,650 (-) | $90,600 (-) Land $40,000 Building $50,600 |
| 2022 | $506.00 | $22,650 | $90,600 Land $40,000 Building $50,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 532 Central Ave in Zone X, an area of minimal flood risk.
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 | 4 in force |
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.
The area around 532 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 233 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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