Hamilton County property record for 820 Clift St, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,175 sqft · built 1959 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $786 (2025) |
| Deeds & Mortgages | Jun 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 117J C 011 |
| Primary APN | 117J C 011 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,175 sqft Living Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000042562 |
|---|---|
| Street Address | 820 CLIFT ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-1624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 15 SIVLEY & COFFELT HEIGHTS PB15 PG120 |
| Legal Subdivision | SIVLEY & COFFELT HEI |
| Legal Lot Number | 15 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 10902 |
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.
820 Clift St is owned and occupied by an individual who acquired it in June 2025.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 820 CLIFT ST, CHATTANOOGA, TN 37405-1624 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 24, 2025 |
| Transfer Doc | 0000000115 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 24, 2025 |
| Property Address | 820 CLIFT ST, CHATTANOOGA, TN 37405-1624 |
| Document Number | 0000000115 |
| Book / Page | 13962 / 72 |
| Map Reference | MB 15 PG 120 |
| Instrument Date | Jun 23, 2025 |
| Instrument | 2025062400115 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 820 CLIFT ST, CHATTANOOGA, TN 37405-1624 |
The 2025 property tax bill for 820 Clift St was $786, up 21.9% 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 | $786.00 (+21.86%) | $51,900 (+79.9%) | $207,600 (+79.9%) Land $65,000 Building $142,600 |
| 2024 | $645.00 | $28,850 (-) | $115,400 (-) Land $30,000 Building $85,400 |
| 2023 | $645.00 | $28,850 (-) | $115,400 (-) Land $30,000 Building $85,400 |
| 2022 | $645.00 | $28,850 | $115,400 Land $30,000 Building $85,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 Clift St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 30 (1979–2022) |
| Claims Outside the SFHA | 8 of 30 |
| Most Recent Claim | Feb 2022 · rainfall accumulation |
| Claims by Event |
|
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 820 Clift St is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 60% 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.
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 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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