640 Lupton Dr, Chattanooga, TN 37415 Property Records

Hamilton County property record for 640 Lupton Dr, Chattanooga, TN 37415

Property Summary

Property Type	Single Family Home
Details	1 ba · 816 sqft · built 1945
Lot Size	0.284 acres (12,375 sqft)
Owner	Company Name on File
Last Sale	$70,000 (Sep 2021)
Tax Bill	$791 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`118G H 011`

Property Details

APN / Parcel Number

Primary APN	`118G H 011`
Alternative APN	`0000045344`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1983
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,375 sqft (0.284 acres)
Lot Dimensions	165 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000045344
Street Address	640 LUPTON DR
City	CHATTANOOGA
State	TN
Zip	37415-4803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 6 SOUTH LUPTON DRIVE SUB PB 15 PG 63
Legal Subdivision	SOUTH LUPTON DRIVE
Legal Lot Number	6
Jurisdiction	HAMILTON TN
Township / Civil Division	2
Census Block Group	1
Census Block	1002
Census Tract	10502

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

640 Lupton Dr is owned by a company that bought it in September 2021.

Source: Hamilton County records, as of January 2, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 423, THOMPSONS STATION, TN 37179-0423
Owner Type	Company
Vesting	Company

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
Apr 25, 2022	Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK
Sep 1, 2021	Warranty Deed, Transfer TENNESSEE TITLE AND ESCROW, TENNESSEE TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2021 · Amount on File
Deed Sale	Sep 1, 2021 · Amount on File
Deed Document Number	2021254
Deed Book / Page	12634 / 860
Prior Transfer Date	Mar 3, 2002
Prior Transfer Doc	6198359
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	640 LUPTON DR, CHATTANOOGA, TN 37415-4803
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000039
Date	Apr 25, 2022
Book Page	12932/169
Instrument	2022042500039

Lender

Name	PINNACLE BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 1, 2021
Property Address	640 LUPTON DR, CHATTANOOGA, TN 37415-4803
Document Number	0000000254
Book / Page	12634 / 860
Map Reference	MB 15 PG 63
Instrument Date	Aug 27, 2021
Instrument	2021090100254
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TENNESSEE TITLE AND ESCROW, TENNESSEE TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$259.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 LUPTON DR, CHATTANOOGA, TN 37415-4803

Tax Assessment & Valuation

The 2025 property tax bill for 640 Lupton Dr was $791, up 15.6% 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	$791.00 (+15.64%)	$52,225 (+70.67%)	$208,900 (+70.67%) Land $75,000 Building $133,900
2024	$684.00	$30,600 (-)	$122,400 (-) Land $70,000 Building $52,400
2023	$684.00	$30,600 (-)	$122,400 (-) Land $70,000 Building $52,400
2022	$684.00	$30,600	$122,400 Land $70,000 Building $52,400

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

FEMA maps place 640 Lupton Dr in Zone X, an area of minimal flood risk.

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

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 640 Lupton Dr is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.07% 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 337 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 · DSL	100 / 20

May also be available: Verizon.

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