646 Ladd Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 646 Ladd Ave, Chattanooga, TN 37405

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$393,500 (Jan 2023)
Tax Bill	$268 (2022)
Deeds & Mortgages	Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`135B D 001.01`

Property Details

APN / Parcel Number

Primary APN	`135B D 001.01`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Street Address	646 LADD AVE
City	CHATTANOOGA
State	TN
Zip	37405-3728
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R4
Legal Description	LT 80 VALHAMBROSIA PB 4 PG 17 & 18 OUT OF 135B D 001 FOR 2019
Legal Subdivision	VALHAMBROSIA
Legal Lot Number	80
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1014
Census Tract	10901

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 4, 2023

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
Co-owner	Co-owner on Record
Mailing Address	399 SETON HALL AVE, VENTURA, CA 93003-2025
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2023 · Amount on Record
Deed Sale	Jan 17, 2023 · Amount on Record
Prior Sale	Jan 12, 2023 · Amount on Record
Deed Document Number	2023011700088
Deed Book / Page	13189 / 725
Record Updated	Jun 7, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 12, 2020
Property Address	646 LADD AVE, CHATTANOOGA, TN 37405-3728
Document Number	0312000173
Book / Page	011936 / 000037
Instrument Date	Mar 3, 2020
Instrument	200312000173
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Tax	$159.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1106 MCCALLIE AVE CHATTANOOGA TN 374042822, CHATTANOOGA, TN 37404-2822

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2022

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
2022	$268.00	$12,000	$48,000 Land $48,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Claims	1 (1984)
Most Recent Claim	May 1984 · tidal / storm surge

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	Low lower than 94% of the US · lower than 94% of Tennessee
Wildfire Likelihood	0.04% 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 217 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	100 / 20

May also be available: Verizon.

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