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854 Oak St, Chattanooga, TN 37403 Property Records

Hamilton County property record for 854 Oak St, Chattanooga, TN 37403

Property Summary

Property TypeSingle Family Home
Details3 ba · 3,804 sqft · built 1920
Lot Size0.136 acres (5,952 sqft)
OwnerIndividual Name on File
Last Sale$827,500 (May 2023)
Tax Bill$3,675 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
May 2020 Line of Credit
+ 4 more
Flood ZoneZone X (minimal risk)
APN146H E 025.01

Property Details

APN / Parcel Number

Primary APN146H E 025.01
Alternative APN
  • 0000074423

Interior

Full Baths3 Baths
Stories2 Stories
Building Area3,804 sqft Living Area

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1970
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,952 sqft (0.136 acres)
Lot Dimensions124 ft deep x 48 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000074423
Old Parcel Number146H E 02501
Street Address854 OAK ST
CityCHATTANOOGA
StateTN
Zip37403-2408
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 11 RICHMONDS ADDN PB 1 PG 34 REV 77-56 REV 117-151
Legal SubdivisionRICHMONDS ADDN
Legal Lot Number11
JurisdictionHAMILTON TN
Township / Civil Division6
Census Block Group2
Census Block2017
Census Tract12400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

854 Oak St is owned and occupied by an individual who bought it in May 2023.

Source: Hamilton County records, as of December 31, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address854 OAK ST, CHATTANOOGA, TN 37403-2408
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
May 1, 2023Warranty Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
May 18, 2020Deed of Trust, Mortgage · Line of Credit
SOUTHEAST BK
Apr 2, 2020Warranty Deed, Transfer · Conventional Mortgage
QUICKEN LNS
Aug 28, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 28, 2017Grant Deed
ATTORNEY ONLY
Jul 27, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 1, 2023 · Amount on File
Deed SaleMay 1, 2023 · Amount on File
Prior SaleApr 2, 2020 · Amount on File
Deed Document Number2023050100323
Deed Book / Page13278 / 271
Record UpdatedJun 8, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateMay 1, 2023
Property Address854 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000323
Book / Page13278 / 271
Map ReferenceMB 117 PG 151
Instrument DateApr 28, 2023
Instrument2023050100323
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyCUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,061.75
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address854 E OAK ST # P, P, CHICAGO, IL 60611

Mortgage

Document Number0000000324
DateMay 1, 2023
Instrument2023050100324
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2053

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address854 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0522000077
Instrument DateMay 18, 2020
Transaction TypeMortgage
Record UpdatedJul 17, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address854 OAK ST CHATTANOOGA TN 374032408, CHATTANOOGA, TN 37403-2408

Mortgage

Document Number0522000077
DateMay 22, 2020
Book Page012010/000228
Instrument200522000077
Lender
NameSOUTHEAST BK
TypeBank
AddressCHATTANOOGA, TN 37450
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateApr 2, 2020
Property Address854 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0402000212
Book / Page011958 / 000631
Instrument DateApr 1, 2020
Instrument200402000212
Transaction TypeTransfer
Record UpdatedJun 15, 2020
Title CompanyCUMBERLAND TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,405.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address854 OAK ST CHATTANOOGA TN 374032408, CHATTANOOGA, TN 37403-2408

Mortgage

Document Number402000213
DateApr 2, 2020
Book Page011958/000634
Instrument200402000213
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2050

August 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateAug 28, 2017
Property Address854 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000287
Book / Page011139 / 000631
Instrument DateAug 28, 2017
Instrument287
Transaction TypeTransfer
Record UpdatedSep 12, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address858 OAK ST CHATTANOOGA TN 374032408, CHATTANOOGA, TN 37403-2408

August 2017: Grant Deed

Document TypeGrant Deed
JurisdictionHAMILTON TN
Recording DateAug 28, 2017
Property Address854 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000286
Book / Page011139 / 000627
Instrument DateAug 28, 2017
Instrument286
Record UpdatedSep 12, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$1,609.00
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address858 OAK ST CHATTANOOGA TN 374032408, CHATTANOOGA, TN 37403-2408

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJul 27, 2017
Property Address854 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000177
Book / Page011113 / 000121
Instrument DateJul 27, 2017
Instrument177
Transaction TypeTransfer
Record UpdatedAug 9, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$1,609.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address858 OAK ST CHATTANOOGA TN 374032408, CHATTANOOGA, TN 37403-2408

Tax Assessment & Valuation

The 2025 property tax bill for 854 Oak St was $3,675, up 2.4% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,675.00 (+2.42%)$242,500 (+51.18%)$970,000 (+51.18%) Land $150,000 Building $820,000
2024$3,588.00$160,400 (-)$641,600 (-) Land $100,000 Building $541,600
2023$3,588.00$160,400 (-)$641,600 (-) Land $100,000 Building $541,600
2022$3,588.00$160,400$641,600 Land $100,000 Building $541,600

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.

Flood

FEMA maps place 854 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 854 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 RiskNot rated
no burnable land within ember reach

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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 233 locations within half a mile, as of December 31, 2025

ProviderMax 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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