612 Ladd Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 612 Ladd Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,109 sqft · built 2022
Lot Size	0.688 acres (30,000 sqft)
Owner	Company Name on Record
Last Sale	$455,000 (Jun 2023)
Tax Bill	$2,139 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2021 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`135B D 012`

Property Details

APN / Parcel Number

Primary APN	`135B D 012`
Alternative APN	`0000058688`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,109 sqft Living Area
Gross Area	1,024 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
Roof Type	Flat
Roof Material	Metal
Lot Area	30,000 sqft (0.688 acres)
Lot Dimensions	150 ft deep x 200 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000058688
Street Address	612 LADD AVE
City	CHATTANOOGA
State	TN
Zip	37405-3728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 90 VALHAMBROSIA PB 4 PG 17&18
Legal Subdivision	VALHAMBROSIA
Legal Lot Number	90
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1014
Census Tract	10901

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 October 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage LENDINGHOME FUNDING CORP
Feb 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage ALREADY RENTED INVESTMENTS
Jun 1, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Feb 22, 2022	Warranty Deed, Transfer WOODEN TITLE AND ESCROW, WOODEN TITLE & ESCROW LLC
Sep 3, 2020	Warranty Deed, Transfer CHATTANOOGA TITLE E BRAINERD LLC, CHATTANOOGA TITLE E BRAINERD L
Apr 24, 2020	Deed of Trust, Construction Loan · Construction Mortgage R THOMAS & THERESE B HUGHES
Apr 6, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY
Mar 12, 2020	Warranty Deed, Transfer PINNACLE BK
May 10, 2019	Quit Claim Deed, Construction Loan · Construction Mortgage FIRST NAT'L CMNTY BK
Feb 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRENT ROGERS
Dec 10, 2018	Warranty Deed, Transfer · Conventional Mortgage FRANCESCO PIZZUTO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Feb 22, 2022 · Amount on Record
Deed Document Number	202359
Deed Book / Page	13305 / 284
Prior Transfer Date	May 3, 2019
Prior Transfer Doc	0000000247
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000221
Date	Apr 21, 2021
Book Page	12454/708
Instrument	2021042100221

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000049
Date	Feb 1, 2021
Book Page	12336/737
Instrument	2021020100049

Lender

Name	ALREADY RENTED INVESTMENTS
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jun 1, 2023
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0000000059
Book / Page	13305 / 284
Map Reference	MB 4 PG 17
Instrument Date	May 24, 2023
Instrument	2023060100059
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, WARRANTY TTL LLC DBA WARRANT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,683.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728

Mortgage

Document Number	0000000060
Date	Jun 1, 2023
Instrument	2023060100060

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 22, 2022
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0000000298
Book / Page	12855 / 499
Instrument Date	Feb 21, 2022
Instrument	2022022200298
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	WOODEN TITLE AND ESCROW, WOODEN TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$1,406.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7102 BARLEYFIELD DR, HARRISON, TN 37341-5917

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 3, 2020
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0903000120
Book / Page	012139 / 000033
Instrument Date	Aug 28, 2020
Instrument	200903000120
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	CHATTANOOGA TITLE E BRAINERD LLC, CHATTANOOGA TITLE E BRAINERD L

Transaction

Amount	Amount Recorded
Tax	$596.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3630 DAVIS BLVD ATLANTA GA 303491025, ATLANTA, GA 30349-1025

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Apr 24, 2020
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0424000193
Book / Page	011980 / 000281
Instrument Date	Apr 22, 2020
Instrument	200424000193
Transaction Type	Construction Loan
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6170 SHALLOWFORD RD #102 CHATTANOOGA TN 374211892, 102, CHATTANOOGA, TN 37421-1892

Mortgage

Document Number	424000193
Date	Apr 24, 2020
Book Page	011980/000281
Instrument	200424000193

Lender

Name	R THOMAS & THERESE B HUGHES

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 23, 2021

April 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 6, 2020
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0406000247
Book / Page	011961 / 000566
Instrument Date	Apr 6, 2020
Instrument	200406000247
Transaction Type	Foreclosure
Record Updated	Jul 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$577.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6170 SHALLOWFORD RD #102 CHATTANOOGA TN 374211892, 102, CHATTANOOGA, TN 37421-1892

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 12, 2020
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0312000165
Book / Page	011935 / 000991
Instrument Date	Mar 3, 2020
Instrument	200312000165
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Tax	$468.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1106 MCCALLIE AVE CHATTANOOGA TN 374042822, CHATTANOOGA, TN 37404-2822

Mortgage

Document Number	312000150
Date	Mar 12, 2020
Book Page	011935/000853
Instrument	200312000150

Lender

Name	PINNACLE BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2019: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	May 10, 2019
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0510000142
Book / Page	011637 / 000866
Instrument Date	May 3, 2019
Instrument	190510000142
Transaction Type	Construction Loan
Record Updated	May 30, 2019
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5613 TENNESSEE AVE CHATTANOOGA TN 374092331, CHATTANOOGA, TN 37409-2331

Mortgage

Document Number	510000143
Date	May 10, 2019
Book Page	011637/000868
Instrument	190510000143

Lender

Name	FIRST NAT'L CMNTY BK
Type	Bank
Address	CHATSWORTH, GA 30705

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Mortgage

Document Number	510000146,
Date	May 10, 2019
Book Page	011637/000892
Instrument	190510000146

Lender

Name	FIRST NAT'L CMNTY BK
Type	Bank
Address	CHATSWORTH, GA 30705

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0214000062
Instrument Date	Feb 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2019
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2136 CHATTANOOGA TN 374090136, CHATTANOOGA, TN 37409-0136

Mortgage

Document Number	0214000062
Date	Feb 14, 2019
Book Page	011565/000108
Instrument	190214000062

Lender

Name	BRENT ROGERS
Address	1600 LULA LAKE RD, LOOKOUT MOUNTAIN, GA 30750-2720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 10, 2018
Property Address	612 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	1210000111
Book / Page	011518 / 000942
Instrument Date	Nov 16, 2018
Instrument	181210000111
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2136 CHATTANOOGA TN 374090136, CHATTANOOGA, TN 37409-0136

Mortgage

Document Number	1210000112
Date	Dec 10, 2018
Book Page	011518/000945
Instrument	181210000112

Lender

Name	FRANCESCO PIZZUTO
Address	PO BOX 2202, CHATTANOOGA, TN 37409-0202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,139.00 (+2.79%)	$141,175 (+51.76%)	$564,700 (+51.76%) Land $90,000 Building $474,700
2024	$2,081.00	$93,025 (-)	$372,100 (-) Land $60,000 Building $312,100
2023	$2,081.00 (+38.27%)	$93,025 (+38.28%)	$372,100 (+38.28%) Land $60,000 Building $312,100
2022	$1,505.00	$67,275	$269,100 Land $60,000 Building $209,100

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 Claims	1 (1984)
Most Recent Claim	May 1984 · tidal / storm surge

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	Low lower than 94% of the US · lower than 94% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 217 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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