Hamilton County property record for 816 Oak St, Chattanooga, TN 37403
| Property Type | Townhouse |
|---|---|
| Details | 4 ba · 1,644 sqft · built 1985 |
| Lot Size | 0.08 acres (3,525 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (May 2017) |
| Tax Bill | $1,179 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 146H E 016.01 |
| Primary APN | 146H E 016.01 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,644 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 3,525 sqft (0.08 acres) |
| Lot Dimensions | 141 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000074413 |
|---|---|
| Old Parcel Number | 146H E 01601 |
| Street Address | 816 OAK ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37403-2408 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LT 15-B FORTWOOD ADDN REV 35-283 |
| Legal Subdivision | FORTWOOD ADDN |
| Legal Lot Number | 15-B |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 12400 |
Source: Hamilton County records · APN 146H E 016.01
Assessment roll updated May 20, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 816 OAK ST, CHATTANOOGA, TN 37403-2408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2019 | Deed of Trust, Mortgage · Conventional with PMI FIRSTBANK |
| May 08, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 08, 2017 · Amount on Record |
| Deed Sale | May 08, 2017 · Amount on Record |
| Prior Sale | Oct 30, 1997 · Amount on Record |
| Deed Document Number | 2017050800266 |
| Deed Book / Page | 11043 / 973 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 816 OAK ST, CHATTANOOGA, TN 37403-2408 |
| Document Number | 1001000275 |
| Instrument Date | Sep 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2019 |
| Title Company | FIRST CHOICE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 816 OAK ST CHATTANOOGA TN 374032408, CHATTANOOGA, TN 37403-2408 |
| Document Number | 1001000275 |
|---|---|
| Date | Oct 01, 2019 |
| Book Page | 011776/000352 |
| Instrument | 191001000275 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 08, 2017 |
| Property Address | 816 OAK ST, CHATTANOOGA, TN 37403-2408 |
| Document Number | 0000000266 |
| Book / Page | 11043 / 973 |
| Map Reference | MB35 PG283 |
| Instrument Date | May 05, 2017 |
| Instrument | 2017050800266 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | FIRST CHOICE TTILE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $906.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 816 OAK ST, CHATTANOOGA, TN 37403-2408 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000267 |
|---|---|
| Date | May 08, 2017 |
| Instrument | 2017050800267 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,179.00 (-13.44%) | $77,825 (+27.79%) | $311,300 (+27.79%) Land $90,000 Building $221,300 |
| 2024 | $1,362.00 | $60,900 (-) | $243,600 (-) Land $60,000 Building $183,600 |
| 2023 | $1,362.00 | $60,900 (-) | $243,600 (-) Land $60,000 Building $183,600 |
| 2022 | $1,362.00 | $60,900 | $243,600 Land $60,000 Building $183,600 |
Source: FEMA National Flood Hazard Layer as of August 30, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Fort Wood Historic District listed 1979 · 106 contributing resources · NRIS 79002437 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Electric Power Board of Chattanooga, Tennessee Fiber | 100,000 / 100,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 49 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TENNESSEE AMERICAN WATER private · serves 207,046 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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