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

Hamilton County property record for 637 E 16th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,920 sqft · built 2025
Lot Size	0.109 acres (4,756 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,320 (Dec 2015)
Tax Bill	$2,136 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145L J 017.07`

Property Details

APN / Parcel Number

Primary APN	`145L J 017.07`
Alternative APN	`0000381913`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,920 sqft Living Area

Exterior

Year Built	Built 2025
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,756 sqft (0.109 acres)
Lot Dimensions	139 ft deep x 34 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000381913
Street Address	637 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7 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 Block	7
Legal Lot Number	7 51
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 December 31, 2025

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 Record
Mailing Address	637 E 16TH ST, CHATTANOOGA, TN 37408-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 17, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2015 · Amount on Record
Deed Sale	Dec 17, 2015 · Amount on Record
Prior Sale	Mar 31, 2015 · Amount on Record
Deed Document Number	2015121700051
Deed Book / Page	10632 / 571
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	637 E 16TH ST, CHATTANOOGA, TN 37408-2104
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000198
Date	Jan 29, 2026
Book Page	14179/51
Instrument	2026012900198

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	CHATTANOOGA, TN 37450

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	637 E 16TH ST, CHATTANOOGA, TN 37408-2104
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000023
Date	Dec 29, 2021
Book Page	12789/265
Instrument	2021122900023

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	637 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	1101000087
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	637 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	1101000087
Date	Nov 1, 2019
Book Page	011807/000206
Instrument	191101000087

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,136.00 (-4.34%)	$140,950 (+41.2%)	$563,800 (+41.2%) Land $100,000 Building $463,800
2024	$2,233.00	$99,825 (-)	$399,300 (-) Land $55,000 Building $344,300
2023	$2,233.00	$99,825 (-)	$399,300 (-) Land $55,000 Building $344,300
2022	$2,233.00	$99,825	$399,300 Land $55,000 Building $344,300

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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