Hamilton County property record for 815 Munro Rd, Chattanooga, TN 37415
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,296 sqft · built 1960 |
| Lot Size | 0.55 acres (24,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $184,500 (Jul 2018) |
| Tax Bill | $1,200 (2025) |
| Deeds & Mortgages | Dec 2024 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 118C C 011 |
| Primary APN | 118C C 011 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 24,000 sqft (0.55 acres) |
| Lot Dimensions | 150 ft deep x 160 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000044384 |
|---|---|
| Street Address | 815 MUNRO RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37415-4317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LTS 14 & 15 MANCHESTER PARK PB 16 PG 40 |
| Legal Subdivision | MANCHESTER PARK |
| Legal Lot Number | 14,15 15 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 5 |
| Census Block | 5004 |
| Census Tract | 10501 |
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 Munro Rd is owned and occupied by an individual who bought it in July 2018.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 815 MUNRO RD, CHATTANOOGA, TN 37415-4317 |
| 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 |
|---|---|
| Dec 4, 2024 | Deed of Trust, Mortgage · Non-Conforming Investor Loan FIRST HORIZON BANK |
| Apr 9, 2020 | Deed of Trust, Mortgage · Conventional with PMI UNITED CMNTY BK |
| Jul 24, 2018 | Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2018 · Amount on File |
| Deed Sale | Jul 24, 2018 · Amount on File |
| Prior Sale | Jul 29, 2015 |
| Deed Document Number | 2018072400005 |
| Deed Book / Page | 11407 / 738 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 815 MUNRO RD, CHATTANOOGA, TN 37415-4317 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 815 MUNRO RD, CHATTANOOGA, TN 37415-4317 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000036 |
|---|---|
| Date | Dec 4, 2024 |
| Book Page | 13777/907 |
| Instrument | 2024120400036 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37409 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 815 MUNRO RD, CHATTANOOGA, TN 37415-4317 |
| Document Number | 0414000135 |
| Instrument Date | Apr 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 815 MUNRO RD CHATTANOOGA TN 374154317, CHATTANOOGA, TN 37415-4317 |
| Document Number | 0414000135 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 011968/000727 |
| Instrument | 200414000135 |
| Name | UNITED CMNTY BK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 13, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 24, 2018 |
| Property Address | 815 MUNRO RD, CHATTANOOGA, TN 37415-4317 |
| Document Number | 0724000005 |
| Book / Page | 011407 / 000738 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 180724000005 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | RELI SETTLEMENT SOLUTIONS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $682.65 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 815 MUNRO RD CHATTANOOGA TN 374154317, CHATTANOOGA, TN 37415-4317 |
| Document Number | 724000006 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 011407/000741 |
| Instrument | 180724000006 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 23, 2048 |
The 2025 property tax bill for 815 Munro Rd was $1,200, up 7.6% 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 | $1,200.00 (+7.62%) | $79,200 (+58.8%) | $316,800 (+58.8%) Land $92,000 Building $224,800 |
| 2024 | $1,115.00 | $49,875 (-) | $199,500 (-) Land $80,500 Building $119,000 |
| 2023 | $1,115.00 | $49,875 (-) | $199,500 (-) Land $80,500 Building $119,000 |
| 2022 | $1,115.00 | $49,875 | $199,500 Land $80,500 Building $119,000 |
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 Munro Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 815 Munro Rd 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 93% of the US · lower than 93% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | HIXSON UTILITY DISTRICT serves 68,306 people · EPA ID TN0000303 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2026–2028) 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 256 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 DSL | 100 / 20 |
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