646 Lupton Dr, Chattanooga, TN 37415 Property Records

Hamilton County property record for 646 Lupton Dr, Chattanooga, TN 37415

Property Summary

Property Type	Single Family Home
Details	1 ba · 888 sqft · built 1945
Lot Size	0.284 acres (12,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$73,000 (Feb 2019)
Tax Bill	$797 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`118G H 012`

Property Details

APN / Parcel Number

Primary APN	`118G H 012`
Alternative APN	`0000045345`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	888 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1983
Exterior Material	Other
Construction Type	Wood
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	0000045345
Street Address	646 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 5 SOUTH LUPTON DRIVE SUB PB 15 PG 63
Legal Subdivision	SOUTH LUPTON DRIVE
Legal Lot Number	5
Jurisdiction	HAMILTON TN
Township / Civil Division	6
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

Source: Hamilton County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4774 SIGNAL FOREST DR, SIGNAL MOUNTAIN, TN 37377-3537
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Oct 14, 2021	Intrafamily Transfer, Transfer TITLE GUARANTY, TITLE GUARANTY & TRUST CO
Oct 15, 2020	Deed of Trust, Mortgage · Line of Credit MILLENIUM BK
Feb 4, 2019	Grant Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2019 · Amount on Record
Deed Sale	Feb 4, 2019 · Amount on Record
Deed Document Number	2019300
Deed Book / Page	11558 / 333
Last Transfer Date	Oct 14, 2021
Transfer Doc	0000000160
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	646 LUPTON DR, CHATTANOOGA, TN 37415-4803
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000064
Date	Mar 30, 2026
Book Page	14242/310
Instrument	2026033000064

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Oct 14, 2021
Property Address	646 LUPTON DR, CHATTANOOGA, TN 37415-4803
Document Number	0000000160
Book / Page	12691 / 425
Map Reference	MB 15 PG 63
Instrument Date	Oct 14, 2021
Instrument	2021101400160
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	4774 SINGEL FOREST DR, SIGNAL MOUNTAIN, TN 37377-3537

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	646 LUPTON DR, CHATTANOOGA, TN 37415-4803
Document Number	1019000127
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4774 SIGNAL FOREST DR SIGNAL MOUNTAIN TN 373773537, SIGNAL MOUNTAIN, TN 37377-3537

Mortgage

Document Number	1019000127
Date	Oct 19, 2020
Book Page	012195/000874
Instrument	201019000127

Lender

Name	MILLENIUM BK
Type	Bank
Address	OOLTEWAH, TN 37363

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Oct 18, 2023

Interest

Rate Type	Adjustable Rate

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 4, 2019
Property Address	646 LUPTON DR, CHATTANOOGA, TN 37415-4803
Document Number	0204000300
Book / Page	011558 / 000333
Instrument Date	Feb 4, 2019
Instrument	190204000300
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transaction

Amount	Amount Recorded
Tax	$270.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4774 SIGNAL FOREST DR SIGNAL MOUNTAIN TN 373773537, SIGNAL MOUNTAIN, TN 37377-3537

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	$797.00 (+17.9%)	$52,625 (+74.11%)	$210,500 (+74.11%) Land $75,000 Building $135,500
2024	$676.00	$30,225 (-)	$120,900 (-) Land $70,000 Building $50,900
2023	$676.00	$30,225	$120,900 Land $70,000 Building $50,900

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	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

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.

Nearby Properties on Lupton Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures