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

Hamilton County property record for 643 E 16th St, Chattanooga, TN 37408 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,350 sqft · built 2015
Lot Size	0.109 acres (4,756 sqft)
Owner	Individual Name on File
Last Sale	$725,000 (Oct 2022)
Tax Bill	$2,622 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145L J 017.08`

Property Details

APN / Parcel Number

Primary APN	`145L J 017.08`
Alternative APN	`0000381914`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,350 sqft Living Area

Exterior

Year Built	Built 2015
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	0000381914
Street Address	643 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 8 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	8 51
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1114
Census Tract	2000

Owner

Source: Hamilton County records · APN 145L J 017.08

Assessment roll updated May 20, 2025 · Last verified January 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 File
Mailing Address	643 E 16TH ST, CHATTANOOGA, TN 37408-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 03, 2022	Warranty Deed, Transfer · Conventional Mortgage PINNCACLE BANK
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 03, 2022 · Amount on Record
Deed Sale	Oct 03, 2022 · Amount on Record
Prior Sale	Sep 11, 2015 · Amount on Record
Deed Document Number	2022100300295
Deed Book / Page	13106 / 436
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 03, 2022
Property Address	643 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0000000295
Book / Page	13106 / 436
Map Reference	MB 101 PG 22
Instrument Date	Sep 30, 2022
Instrument	2022100300295
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	JONES RAULSTON TITLE INSURANCE AGENCY, JONES TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,682.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 E 16TH ST, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0131060438
Date	Oct 03, 2022
Instrument	13106-0438

Lender

Name	PINNCACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	643 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0730000206
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	FILE FIRST CHOICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	643 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0730000206
Date	Jul 30, 2020
Book Page	012094/000699
Instrument	200730000206

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,622.00 (-3.92%)	$173,000 (+41.8%)	$692,000 (+41.8%) Land $100,000 Building $592,000
2024	$2,729.00	$122,000 (-)	$488,000 (-) Land $55,000 Building $433,000
2023	$2,729.00	$122,000	$488,000 Land $55,000 Building $433,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470650020001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 370 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Electric Power Board of Chattanooga, Tennessee	Fiber	100,000 / 100,000
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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