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

Hamilton County property record for 649 E 16th St, Chattanooga, TN 37408 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,088 sqft · built 2015
Lot Size0.096 acres (4,197 sqft)
OwnerIndividual Name on File
Last Sale$523,000 (Jan 2022)
Tax Bill$2,206 (2025)
Deeds & MortgagesOct 2021 Mortgage
Jan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN145L J 017.09

Property Details

APN / Parcel Number

Primary APN145L J 017.09
Alternative APN
  • 0000381915

Interior

Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,088 sqft Living Area

Exterior

Year BuiltBuilt 2015
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,197 sqft (0.096 acres)
Lot Dimensions139 ft deep x 30 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0000381915
Street Address649 E 16TH ST
CityCHATTANOOGA
StateTN
Zip37408-2104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 9 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 SubdivisionMONTAGUES ADDN NO 1
Legal Block7
Legal Lot Number9 51
JurisdictionHAMILTON TN
Township / Civil Division4
Census Block Group1
Census Block1114
Census Tract2000

Owner

Source: Hamilton County records · APN 145L J 017.09

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address649 E 16TH ST, CHATTANOOGA, TN 37408-2104
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 01, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Jan 18, 2022Warranty Deed, Transfer · Conventional Mortgage
TRUIST BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 18, 2022 · Amount on Record
Deed SaleJan 18, 2022 · Amount on Record
Prior SaleAug 31, 2015 · Amount on Record
Deed Document Number2022011800259
Deed Book / Page12813 / 148
Record UpdatedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address649 E 16TH ST, CHATTANOOGA, TN 37408-2104
Transaction TypeMortgage
Record UpdatedSep 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000058
DateOct 01, 2021
Book Page12673/921
Instrument2021100100058
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term173 Months
DueMar 01, 2036

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJan 18, 2022
Property Address649 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number0000000259
Book / Page12813 / 148
Map ReferenceMB 101 PG 22
Instrument DateJan 13, 2022
Instrument2022011800259
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyTITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,835.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address649 E 16TH ST, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number0012813150
DateJan 18, 2022
Instrument12813/150
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,206.00 (-6.53%)$145,575 (+37.99%)$582,300 (+37.99%) Land $100,000 Building $482,300
2024$2,360.00$105,500 (-)$422,000 (-) Land $55,000 Building $367,000
2023$2,360.00$105,500 (-)$422,000 (-) Land $55,000 Building $367,000
2022$2,360.00$105,500$422,000 Land $55,000 Building $367,000

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies3 in force
Nearby Flood Claims7 (1978–2000)
Claims Outside the SFHA5 of 7
Most Recent ClaimApr 2000, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 DistrictWithin 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

ProviderTechnologyDownload / Upload (Mbps)
Electric Power Board of Chattanooga, TennesseeFiber100,000 / 100,000
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 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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