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

Hamilton County property record for 631 E 16th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,770 sqft · built 2015
Lot Size	0.103 acres (4,519 sqft)
Owner	Individual Name on Record
Last Sale	$309,225 (Jul 2015)
Tax Bill	$2,002 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145L J 017.06`

Property Details

APN / Parcel Number

Primary APN	`145L J 017.06`
Alternative APN	`0000381912`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,770 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	4,519 sqft (0.103 acres)
Lot Dimensions	139 ft deep x 34 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000381912
Street Address	631 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 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	6
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 May 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	631 E 16TH ST, CHATTANOOGA, TN 37408-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2015 · Amount on Record
Deed Sale	Jul 21, 2015 · Amount on Record
Prior Sale	Mar 26, 2015 · Amount on Record
Deed Document Number	2015226
Deed Book / Page	10521 / 767
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	May 14, 2026
Property Address	631 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0000000035
Book / Page	14297 / 919
Instrument Date	May 4, 2026
Instrument	202635
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 E 16TH ST, CHATTANOOGA, TN 37408-2104
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000035,
Date	May 14, 2026
Book Page	14297/919
Instrument	202635

Lender

Name	FIRST HORIZON BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	631 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0626000266
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	FIRST TITLE COMPANY, FIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0626000266
Date	Jun 26, 2020
Book Page	012051/000922
Instrument	200626000266

Lender

Name	PINNACLE BK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2035

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	$2,002.00 (-5.12%)	$132,100 (+40.01%)	$528,400 (+40.01%) Land $100,000 Building $428,400
2024	$2,110.00	$94,350 (-)	$377,400 (-) Land $55,000 Building $322,400
2023	$2,110.00	$94,350 (-)	$377,400 (-) Land $55,000 Building $322,400
2022	$2,110.00	$94,350	$377,400 Land $55,000 Building $322,400

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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