650 E 19th St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 650 E 19th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,304 sqft · built 2014
Lot Size	0.124 acres (5,416 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,000 (Aug 2020)
Tax Bill	$2,563 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145M U 007.09`

Property Details

APN / Parcel Number

Primary APN	`145M U 007.09`
Alternative APN	`0000380738`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,304 sqft Living Area

Exterior

Year Built	Built 2014
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,416 sqft (0.124 acres)
Lot Dimensions	151 ft deep x 35.8 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000380738
Street Address	650 E 19TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C3
Legal Description	LT 24 JEFFERSON TRACE PB 98 PG 89 OUT OF 145M-U-007.01 FOR 2014
Legal Subdivision	JEFFERSON TRACE
Legal Lot Number	24
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1005
Census Tract	2000

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 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	650 E 19TH ST, CHATTANOOGA, TN 37408-2119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit STATE DEPARTMENT FCU
Aug 25, 2020	Warranty Deed, Transfer · Conventional with PMI PINNACLE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Prior Sale	Dec 31, 2014 · Amount on Record
Deed Document Number	2020082500310
Deed Book / Page	12127 / 215
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	650 E 19TH ST, CHATTANOOGA, TN 37408-2119
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000083
Date	Oct 24, 2022
Book Page	13124/94
Instrument	2022102400083

Lender

Name	STATE DEPARTMENT FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 25, 2020
Property Address	650 E 19TH ST, CHATTANOOGA, TN 37408-2119
Document Number	0825000310
Book / Page	012127 / 000215
Instrument Date	Aug 24, 2020
Instrument	200825000310
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,846.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	650 E 19TH ST CHATTANOOGA TN 374082119, CHATTANOOGA, TN 37408-2119

Mortgage

Document Number	825000311
Date	Aug 25, 2020
Book Page	012127/000218
Instrument	200825000311

Lender

Name	PINNACLE BK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

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	$2,563.00 (-0.97%)	$169,150 (+46.23%)	$676,600 (+46.23%) Land $100,000 Building $576,600
2024	$2,588.00	$115,675 (-)	$462,700 (-) Land $50,000 Building $412,700
2023	$2,588.00	$115,675 (-)	$462,700 (-) Land $50,000 Building $412,700
2022	$2,588.00	$115,675	$462,700 Land $50,000 Building $412,700

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	3 in force
Nearby Flood Claims	7 (1978–2000)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Apr 2000 · rainfall accumulation

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	Not rated no burnable land within ember reach

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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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