821 Mount Vernon Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 821 Mount Vernon Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,680 sqft · built 2023
Lot Size	0.225 acres (9,838 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Sep 2002)
Tax Bill	$4,861 (2025)
Deeds & Mortgages	Jul 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`127P A 008.01`

Property Details

APN / Parcel Number

Primary APN	`127P A 008.01`
Alternative APN	`0000138190`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,680 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,838 sqft (0.225 acres)
Lot Dimensions	144 ft deep x 84 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000138190
Street Address	821 MOUNT VERNON AVE
City	CHATTANOOGA
State	TN
Zip	37405-2936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 CHATT LAND COAL IRON & RAILWAY CO PB51 PG367 OUT OF 127P-B-8 FOR 1996
Legal Lot Number	11
Jurisdiction	HAMILTON TN
Township / Civil Division	2
Census Block Group	3
Census Block	3000
Census Tract	700

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

821 Mount Vernon Ave is owned and occupied by two individuals who bought it in September 2002.

Source: Hamilton County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	821 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2002 · Amount on File
Deed Sale	Sep 18, 2002 · Amount on File
Deed Document Number	2002254
Deed Book / Page	6372 / 198
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	821 MOUNT VERNON AVE, CHATTANOOGA, TN 37405-2936
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 MOUNT VERNON AVE, CHATTANOOGA, TN 37405-2936

Mortgage

Document Number	0000000121
Date	Jul 28, 2022
Book Page	13041/55
Instrument	2022072800121

Lender

Name	ROCKPOINT BANK NA
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Jan 27, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 821 Mount Vernon Ave was $4,861, down 2.5% from the year before.

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	$4,861.00 (-2.49%)	$320,750 (+43.93%)	$1,283,000 (+43.93%) Land $281,300 Building $1,001,700
2024	$4,985.00 (+72.02%)	$222,850 (+71.99%)	$891,400 (+71.99%) Land $187,500 Building $703,900
2023	$2,898.00 (+176.53%)	$129,575 (+176.43%)	$518,300 (+176.43%) Land $187,500 Building $330,800
2022	$1,048.00	$46,875	$187,500 Land $187,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 821 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

Wildfire risk around 821 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.

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 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