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

Hamilton County property record for 661 E 16th St, Chattanooga, TN 37408

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,742 sqft · built 2015
Lot Size	0.091 acres (3,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,000 (Dec 2025)
Tax Bill	$2,696 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Sep 2024 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`145L J 017.11`

Property Details

APN / Parcel Number

Primary APN	`145L J 017.11`
Alternative APN	`0000381917`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,742 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,985 sqft (0.091 acres)
Lot Dimensions	133 ft deep x 30 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000381917
Street Address	661 E 16TH ST
City	CHATTANOOGA
State	TN
Zip	37408-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 RTB ADDITION TO MONTAGUES PB 2 PG 34 REV PB 52 PG 194 REV PB 100 PB 60 REV PB 101 PG 22 REV PB 101 PG 120 OUT OF 145L J
Legal Subdivision	MONTAGUES ADDN NO 1
Legal Lot Number	11
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1114
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 January 2, 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	661 E 16TH ST, CHATTANOOGA, TN 37408-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 3, 2024	Warranty Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO
Apr 7, 2022	Intrafamily Transfer, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO
Apr 7, 2022	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MTG
Jun 21, 2018	Deed of Trust, Mortgage · Line of Credit SYNOVUS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2025 · Amount on Record
Deed Sale	Dec 1, 2025 · Amount on Record
Prior Sale	Sep 3, 2024 · Amount on Record
Deed Document Number	2025227
Deed Book / Page	14123 / 296
Prior Transfer Date	Apr 4, 2022
Prior Transfer Doc	0000000258
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 1, 2025
Property Address	661 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0000000227
Book / Page	14123 / 296
Map Reference	MB 101 PG 120
Instrument Date	Nov 20, 2025
Instrument	2025120100227
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	661 E 16TH ST, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0014123301
Date	Dec 1, 2025
Instrument	14123/301

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 3, 2024
Property Address	661 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0000000194
Book / Page	13694 / 893
Map Reference	MB 101 PG 120
Instrument Date	Aug 30, 2024
Instrument	2024090300194
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Amount	Amount Recorded
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
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	31350 LOBO CANYON RD, AGOURA HILLS, CA 91301-3409

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Apr 7, 2022
Property Address	661 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0000000258
Book / Page	12913 / 347
Map Reference	MB 101 PG 120
Instrument Date	Apr 4, 2022
Instrument	2022040700258
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 MANUFACTURERS RD APT 236, 236, CHATTANOOGA, TN 37405-5000
Investor	Possibly a Property Investor

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 7, 2022
Property Address	661 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0000000259
Book / Page	12913 / 349
Map Reference	MB 101 PG 120
Instrument Date	Apr 4, 2022
Instrument	2022040700259
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,586.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	661 E 16TH ST, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0012913352
Date	Apr 7, 2022
Instrument	12913/352

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	661 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0401000248
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	CUMBERLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	661 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0401000248
Date	Apr 1, 2020
Book Page	011957/000368
Instrument	200401000248

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	661 E 16TH ST, CHATTANOOGA, TN 37408-2104
Document Number	0716000112
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	661 E 16TH ST CHATTANOOGA TN 374082104, CHATTANOOGA, TN 37408-2104

Mortgage

Document Number	0716000112
Date	Jul 16, 2018
Book Page	011400/000615
Instrument	180716000112

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2028

Interest

Rate Type	Adjustable Rate

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	$2,696.00 (+11.64%)	$177,900 (+64.8%)	$711,600 (+64.8%) Land $100,000 Building $611,600
2024	$2,415.00	$107,950 (-)	$431,800 (-) Land $55,000 Building $376,800
2023	$2,415.00	$107,950 (-)	$431,800 (-) Land $55,000 Building $376,800
2022	$2,415.00	$107,950	$431,800 Land $55,000 Building $376,800

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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