Hamilton County property record for 815 Mount Vernon Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,757 sqft · built 1940 |
| Lot Size | 0.266 acres (11,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Mar 2017) |
| Tax Bill | $2,287 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 127P A 006 |
| Primary APN | 127P A 006 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,757 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,625 sqft (0.266 acres) |
| Lot Dimensions | 155 ft deep x 75 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000051977 |
|---|---|
| Street Address | 815 MOUNT VERNON AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-2936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LTS 8 PT 7 BLK 34 MAP NO 1 NORTH CHATT PB 3 PG 31 |
| Legal Subdivision | NORTH CHATT MAP NO 1 |
| Legal Block | 34 |
| Legal Lot Number | 8 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 700 |
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.
815 Mount Vernon Ave is owned and occupied by an individual who bought it in March 2017.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 815 MOUNT VERNON AVE, CHATTANOOGA, TN 37405-2936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 29, 2022 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK |
| Mar 8, 2017 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC CAPITAL BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2017 · Amount on File |
| Deed Sale | Mar 8, 2017 · Amount on File |
| Prior Sale | Nov 29, 2005 · Amount on File |
| Deed Document Number | 2017030800117 |
| Deed Book / Page | 10993 / 219 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 815 MOUNT VERNON AVE, CHATTANOOGA, TN 37405-2936 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000032 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 12939/272 |
| Instrument | 2022042900032 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 815 MOUNT VERNON AVE, CHATTANOOGA, TN 37405-2936 |
| Document Number | 0407000124 |
| Instrument Date | Mar 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 815 MOUNT VERNON AVE CHATTANOOGA TN 374052936, CHATTANOOGA, TN 37405-2936 |
| Document Number | 0407000124 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | 011962/000369 |
| Instrument | 200407000124 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 6, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 8, 2017 |
| Property Address | 815 MOUNT VERNON AVE, CHATTANOOGA, TN 37405-2936 |
| Document Number | 0000000117 |
| Book / Page | 10993 / 219 |
| Map Reference | MB3 PG31 |
| Instrument Date | Mar 7, 2017 |
| Instrument | 2017030800117 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | TITLE GUARNATY & TRUST CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 815 MOUNT VERNON AVE, CHATTANOOGA, TN 37405-2936 |
| Document Number | 0000000118 |
|---|---|
| Date | Mar 8, 2017 |
| Instrument | 2017030800118 |
| Name | ATLANTIC CAPITAL BANK NA |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 815 Mount Vernon Ave was $2,287, up 4.9% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,287.00 (+4.91%) | $150,925 (+54.87%) | $603,700 (+54.87%) Land $281,300 Building $322,400 |
| 2024 | $2,180.00 | $97,450 (-) | $389,800 (-) Land $187,500 Building $202,300 |
| 2023 | $2,180.00 | $97,450 (-) | $389,800 (-) Land $187,500 Building $202,300 |
| 2022 | $2,180.00 | $97,450 | $389,800 Land $187,500 Building $202,300 |
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.
FEMA maps place 815 Mount Vernon Ave in Zone X, an area of minimal flood risk.
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 risk around 815 Mount Vernon Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 481 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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