651 Lupton Dr, Chattanooga, TN 37415 Property Records

Hamilton County property record for 651 Lupton Dr, Chattanooga, TN 37415

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,001 sqft · built 1946
Lot Size	0.353 acres (15,389 sqft)
Owner	2 Individual Names on Record
Last Sale	$49,900 (Sep 1996)
Tax Bill	$888 (2025)
Deeds & Mortgages	May 2018 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`118G J 017`

Property Details

APN / Parcel Number

Primary APN	`118G J 017`
Alternative APN	`0000045393`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,001 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,389 sqft (0.353 acres)
Lot Dimensions	199 ft deep x 75 ft wide
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000045393
Street Address	651 LUPTON DR
City	CHATTANOOGA
State	TN
Zip	37415-4802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1890C 31 14 LT 6 NORTH LUPTON DRIVE SUB PB 15 PG 63
Legal Subdivision	NORTH LUPTON DRIVE
Legal Lot Number	6
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1000
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	651 LUPTON DR, CHATTANOOGA, TN 37415-4802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 29, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 1996 · Amount on Record
Deed Sale	Sep 6, 1996 · Amount on Record
Deed Document Number	1996348779
Deed Book / Page	4742 / 364
Last Transfer Date	Jan 9, 2007
Transfer Doc	0000000025
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	651 LUPTON DR, CHATTANOOGA, TN 37415-4802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000089
Date	May 17, 2018
Book Page	11348/643
Instrument	2018051700089

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	651 LUPTON DR, CHATTANOOGA, TN 37415-4802
Document Number	1106000171
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 LUPTON DR CHATTANOOGA TN 374154802, CHATTANOOGA, TN 37415-4802

Mortgage

Document Number	1106000171
Date	Nov 6, 2019
Book Page	011812/000620
Instrument	191106000171

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

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	$888.00 (+22.65%)	$58,625 (+80.94%)	$234,500 (+80.94%) Land $75,000 Building $159,500
2024	$724.00	$32,400 (-)	$129,600 (-) Land $70,000 Building $59,600
2023	$724.00	$32,400 (-)	$129,600 (-) Land $70,000 Building $59,600
2022	$724.00	$32,400	$129,600 Land $70,000 Building $59,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

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