605 E 16th St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 605 E 16th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,072 sqft · built 2015
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$392,300 (Jul 2015)
Tax Bill	$2,976 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`145L J 017.01`

Property Details

APN / Parcel Number

Primary APN	`145L J 017.01`
Alternative APN	`0000381907`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,072 sqft Living Area

Exterior

Year Built	Built 2015
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft
Lot Dimensions	133 ft deep x 47 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000381907
Street Address	605 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 RTB ADDITION TO MONTAGUES PB 2 PG 34 REV PB 52 PG 194 REV PB 100 PB 60 REV PB 101 PG 22 OUT OF 145L J 017 FOR 2015
Legal Subdivision	MONTAGUES ADDN NO 1
Legal Block	7
Legal Lot Number	1 51
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1114
Census Tract	2000

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	2 Individual Names on Record
Mailing Address	605 E 16TH ST, CHATTANOOGA, TN 37408-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK
Apr 22, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2015 · Amount on Record
Deed Sale	Jul 9, 2015 · Amount on Record
Prior Sale	Jan 5, 2015 · Amount on Record
Deed Document Number	2015070900172
Deed Book / Page	10512 / 396
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	605 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0107000227
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0107000227
Date	Jan 7, 2020
Book Page	011872/000453
Instrument	200107000227

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	605 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0430000203
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	605 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0430000203
Date	Apr 30, 2019
Book Page	011627/000679
Instrument	190430000203

Lender

Name	SUNTRUST BK
Type	Bank
Address	NASHVILLE, TN 37219

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

Interest

Rate Type	Adjustable Rate

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	$2,976.00 (+1.92%)	$196,400 (+50.44%)	$785,600 (+50.44%) Land $100,000 Building $685,600
2024	$2,920.00	$130,550 (-)	$522,200 (-) Land $55,000 Building $467,200
2023	$2,920.00	$130,550 (-)	$522,200 (-) Land $55,000 Building $467,200
2022	$2,920.00	$130,550	$522,200 Land $55,000 Building $467,200

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 · 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	3 in force
Nearby Flood Claims	7 (1978–2000)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Apr 2000 · rainfall accumulation

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

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.

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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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