620 Oliver St, Chattanooga, TN 37405 Property Records

Hamilton County property record for 620 Oliver St, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,038 sqft · built 2015
Lot Size	0.112 acres (4,883 sqft)
Owner	2 Trust Names on File
Last Sale	$510,000 (Nov 2021)
Tax Bill	$2,875 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit May 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135D M 013`

Property Details

APN / Parcel Number

Primary APN	`135D M 013`
Alternative APN	`0000059406`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,038 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,883 sqft (0.112 acres)
Lot Dimensions	135 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000059406
Street Address	620 OLIVER ST
City	CHATTANOOGA
State	TN
Zip	37405-4024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LT 15 BLK J FRAZIER & COLVILLES ADDN TO HILL CITY PB4 PG28
Legal Subdivision	FRAZIER & COLVILLES
Legal Block	J
Legal Lot Number	15
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	2
Census Block	2026
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

620 Oliver St is owner-occupied and held in a trust since May 2025.

Source: Hamilton County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	620 OLIVER ST, CHATTANOOGA, TN 37405-4024
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
May 5, 2025	Intrafamily Transfer, Transfer
Nov 1, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on File
Deed Sale	Nov 1, 2021 · Amount on File
Prior Sale	Aug 1, 2016 · Amount on File
Deed Document Number	20211101363
Deed Book / Page	12715 / 536
Last Transfer Date	May 1, 2025
Transfer Doc	0000000169
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	620 OLIVER ST, CHATTANOOGA, TN 37405-4024
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 OLIVER ST, CHATTANOOGA, TN 37405-4024

Mortgage

Document Number	0000000082
Date	Feb 21, 2022
Book Page	12853/452
Instrument	2022022100082

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	May 5, 2025
Property Address	620 OLIVER ST, CHATTANOOGA, TN 37405-4024
Document Number	0000000169
Book / Page	13912 / 394
Map Reference	MB 4 PG 28
Instrument Date	May 1, 2025
Instrument	2025050500169
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	620 OLIVER ST, CHATTANOOGA, TN 37405-4024

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 1, 2021
Property Address	620 OLIVER ST, CHATTANOOGA, TN 37405-4024
Document Number	0000000363
Book / Page	12715 / 536
Map Reference	MB 4 PG 28
Instrument Date	Oct 29, 2021
Instrument	2021110100363
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,887.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 OLIVER ST, CHATTANOOGA, TN 37405-4024

Mortgage

Document Number	0012715538
Date	Nov 1, 2021
Instrument	12715/538

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 620 Oliver St was $2,875, up 5.2% from the year before.

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	$2,875.00 (+5.2%)	$189,725 (+55.26%)	$758,900 (+55.26%) Land $225,000 Building $533,900
2024	$2,733.00	$122,200 (-)	$488,800 (-) Land $150,000 Building $338,800
2023	$2,733.00	$122,200 (-)	$488,800 (-) Land $150,000 Building $338,800
2022	$2,733.00	$122,200	$488,800 Land $150,000 Building $338,800

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

FEMA maps place 620 Oliver St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 620 Oliver St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.02% 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 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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