Hamilton County property record for 852 Oak St, Chattanooga, TN 37403
| Property Type | Quadplex |
|---|---|
| Details | 8 ba · 2,520 sqft · built 1925 |
| Lot Size | 0.171 acres (7,450 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,500 (Dec 1991) |
| Tax Bill | $5,238 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 146H E 024 |
| Primary APN | 146H E 024 |
|---|---|
| Alternative APN |
|
| Full Baths | 8 Baths |
|---|---|
| Half Baths | 4 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,520 sqft Total Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,450 sqft (0.171 acres) |
| Lot Dimensions | 149 ft deep x 50 ft wide |
| Heating System | Gravity Furnace |
|---|---|
| Sewer | Connected |
| Account Number | 0000074421 |
|---|---|
| Street Address | 852 OAK ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37403-2427 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Quadplex |
| Local Zoning Code | R3 |
| Legal Description | LOT 10 RICHMONDS ADDN PB1 PG34 |
| Legal Subdivision | RICHMONDS ADDN |
| Legal Lot Number | 10 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 12400 |
Source: NPS National Register of Historic Places, as of August 1, 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.
852 Oak St, a quadplex, is owned by an individual who bought it in December 1991.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 418 SIOUX TRL # A, A, CHATTANOOGA, TN 37411-4151 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Dec 10, 1991 · Amount on File |
| Deed Sale | Dec 10, 1991 · Amount on File |
| Deed Document Number | 0000392290 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 852 OAK ST, CHATTANOOGA, TN 37403-2427 |
| Document Number | 0912000100 |
| Instrument Date | Aug 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2019 |
| Title Company | LAKESIDE TITLE AND ESCROW LLC, LAKESIDE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 852 OAK ST CHATTANOOGA TN 374032427, CHATTANOOGA, TN 37403-2427 |
| Document Number | 0912000100 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 011756/000442 |
| Instrument | 190912000100 |
| Name | CITADEL SVCNG CORP |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
The 2025 property tax bill for 852 Oak St was $5,238, up 116.8% 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 | $5,238.00 (+116.8%) | $345,600 (+22%) | $864,000 (+22%) Land $100,000 Building $764,000 |
| 2024 | $2,416.00 | $108,000 (-) | $270,000 (-) Land $100,000 Building $170,000 |
| 2023 | $2,416.00 | $108,000 (-) | $270,000 (-) Land $100,000 Building $170,000 |
| 2022 | $2,416.00 | $108,000 | $270,000 Land $100,000 Building $170,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 852 Oak St 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.
The area around 852 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 233 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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