Hamilton County property record for 609 E 16th St, Chattanooga, TN 37408
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,661 sqft · built 2015 |
| Lot Size | 0.134 acres (5,848 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $559,900 (Dec 2023) |
| Tax Bill | $2,197 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan May 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 145L J 017.02 |
| Primary APN | 145L J 017.02 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,661 sqft Living Area |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,848 sqft (0.134 acres) |
| Lot Dimensions | 133 ft deep x 44 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0000381908 |
|---|---|
| Street Address | 609 E 16TH ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37408-2104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 2 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 Lot Number | 2 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1114 |
| Census Tract | 2000 |
Source: Hamilton County records · APN 145L J 017.02
Assessment roll updated January 2, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2026 | Deed of Trust, Mortgage · Construction Mortgage BUILTWELL STRUCTURES INC |
| May 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage COMTRUST FCU |
| Dec 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Aug 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ELEMENTS FIN'L FCU |
| Jul 02, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 02, 2020 | Warranty Deed, Transfer FIRST TITLE BOX |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 12, 2023 · Amount on Record |
| Deed Sale | Dec 12, 2023 · Amount on Record |
| Prior Sale | Mar 02, 2020 · Amount on Record |
| Deed Document Number | 2023173 |
| Deed Book / Page | 13469 / 150 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 25, 2026 |
| Property Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Document Number | 0000000207 |
| Book / Page | 14347 / 123 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 2026207 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000207, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 14347/123 |
| Instrument | 2026207 |
| Name | BUILTWELL STRUCTURES INC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 22, 2027 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | FIRST CHOICE TITLE, FIRST CHOICE TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Document Number | 0000000149 |
|---|---|
| Date | May 22, 2025 |
| Book Page | 13929/851 |
| Instrument | 2025052200149 |
| Name | COMTRUST FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 242 Months |
| Due | Jul 01, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 12, 2023 |
| Property Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Document Number | 0000000173 |
| Book / Page | 13469 / 150 |
| Instrument Date | Dec 11, 2023 |
| Instrument | 2023121200173 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,071.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Document Number | 0000000174 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 2023121200174 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Document Number | 0911000017 |
| Instrument Date | Aug 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 609 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104 |
| Document Number | 0911000017 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 012147/000791 |
| Instrument | 200911000017 |
| Name | ELEMENTS FIN'L FCU |
|---|---|
| Address | INDIANAPOLIS, IN 46202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 10, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 02, 2020 |
| Property Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Document Number | 0702000304 |
| Book / Page | 012060 / 000447 |
| Instrument Date | May 12, 2020 |
| Instrument | 200702000304 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 667 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 02, 2020 |
| Property Address | 609 E 16TH ST, CHATTANOOGA, TN 37408-2104 |
| Document Number | 0302000118 |
| Book / Page | 011923 / 000599 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 200302000118 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | FIRST TITLE BOX |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,365.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 609 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104 |
Source: Hamilton County records · Assessment roll updated January 2, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,197.00 (+0.09%) | $144,975 (+47.75%) | $579,900 (+47.75%) Land $100,000 Building $479,900 |
| 2024 | $2,195.00 | $98,125 (-) | $392,500 (-) Land $55,000 Building $337,500 |
| 2023 | $2,195.00 | $98,125 (-) | $392,500 (-) Land $55,000 Building $337,500 |
| 2022 | $2,195.00 | $98,125 | $392,500 Land $55,000 Building $337,500 |
Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), as of August 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470650020001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Electric Power Board of Chattanooga, Tennessee Fiber | 100,000 / 100,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile USA, Verizon.
Based on FCC filings for 370 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system TN0000107, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TENNESSEE AMERICAN WATER private · serves 207,046 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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