628 Forest Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 628 Forest Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,779 sqft · built 2003
Lot Size	0.226 acres (9,879 sqft)
Owner	2 Individual Names on File
Last Sale	$745,000 (May 2019)
Tax Bill	$4,921 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135D M 001`

Property Details

APN / Parcel Number

Primary APN	`135D M 001`
Alternative APN	`0000059394`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,779 sqft Living Area

Exterior

Year Built	Built 2003
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,879 sqft
Lot Dimensions	161 ft deep x 61 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000059394
Old Parcel Number	135D M 001
Street Address	628 FOREST AVE
City	CHATTANOOGA
State	TN
Zip	37405-3929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 1 COUND SUB PB 4 PG 28 REV 100-150 REV 114-186
Legal Subdivision	FRAZIER & COLVILLES
Legal Block	J
Legal Lot Number	1
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1013
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

628 Forest Ave is owned and occupied by two individuals who bought it in May 2019.

Source: Hamilton County records, as of January 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	628 FOREST AVE, CHATTANOOGA, TN 37405-3929
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC
May 9, 2019	Warranty Deed, Transfer RESOURCE FIN'L SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2019 · Amount on File
Deed Sale	May 9, 2019 · Amount on File
Prior Sale	Jul 2, 2008 · Amount on File
Deed Document Number	2019050900183
Deed Book / Page	11637 / 152
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	628 FOREST AVE, CHATTANOOGA, TN 37405-3929
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000382
Date	Jun 1, 2021
Book Page	12507/655
Instrument	2021060100382

Lender

Name	RESOURCE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	COLUMBIA, SC 29205

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 9, 2019
Property Address	628 FOREST AVE, CHATTANOOGA, TN 37405-3929
Document Number	0509000183
Book / Page	011637 / 000152
Instrument Date	May 7, 2019
Instrument	190509000183
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	FIRST CHOICE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,756.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 FOREST AVE CHATTANOOGA TN 374053929, CHATTANOOGA, TN 37405-3929

Mortgage

Document Number	509000184
Date	May 9, 2019
Book Page	011637/000154
Instrument	190509000184

Lender

Name	RESOURCE FIN'L SVC
Type	Funding / Finance Company
Address	COLUMBIA, SC 29205

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 628 Forest Ave was $4,921, up 17.5% from the year before.

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	$4,921.00 (+17.53%)	$324,675 (+73.48%)	$1,298,700 (+73.48%) Land $337,500 Building $961,200
2024	$4,187.00	$187,150 (-)	$748,600 (-) Land $225,000 Building $523,600
2023	$4,187.00	$187,150 (-)	$748,600 (-) Land $225,000 Building $523,600
2022	$4,187.00	$187,150	$748,600 Land $225,000 Building $523,600

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 628 Forest Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1988.

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	1 in force
Nearby Flood Claims	3 (1988–2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

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

Wildfire risk around 628 Forest Ave 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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