Hamilton County property record for 856 Oak St, Chattanooga, TN 37403
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,408 sqft · built 1920 |
| Lot Size | 0.085 acres (3,725 sqft) |
| Owner | Company Name on File |
| Last Sale | $550,000 (Apr 2020) |
| Tax Bill | $2,755 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jul 2024 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146H E 025 |
| Primary APN | 146H E 025 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,408 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 3,725 sqft (0.085 acres) |
| Lot Dimensions | 149 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000074422 |
|---|---|
| Street Address | 856 OAK ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37403-2408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12-A T RICHMOND ADDN PB 1 PG 34 REV 77-56 REV 117-151 |
| Legal Subdivision | RICHMONDS ADDN |
| Legal Lot Number | 12-A |
| 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.
856 Oak St is owned by a company that acquired it in July 2024.
Source: Hamilton County records, as of December 31, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 119 COUNTY ROAD 127, ATHENS, TN 37303-6761 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 23, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Apr 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage SOUTHEAST BK |
| Mar 8, 2017 | Deed of Trust, Mortgage BANKSOUTH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2020 · Amount on File |
| Deed Sale | Apr 2, 2020 · Amount on File |
| Prior Sale | Apr 2, 2020 · Amount on File |
| Deed Document Number | 0402000214 |
| Deed Book / Page | 011958 / 000650 |
| Last Transfer Date | Jul 23, 2024 |
| Transfer Doc | 0000000217 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 856 OAK ST, CHATTANOOGA, TN 37403-2408 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000000023 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | 12867/420 |
| Instrument | 2022030300023 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 1, 2042 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 23, 2024 |
| Property Address | 856 OAK ST, CHATTANOOGA, TN 37403-2408 |
| Document Number | 0000000217 |
| Book / Page | 13657 / 177 |
| Map Reference | MB 77 PG 56 |
| Instrument Date | Jul 15, 2024 |
| Instrument | 2024072300217 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 119 COUNTY ROAD 127, ATHENS, TN 37303-6761 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 2, 2020 |
| Property Address | 856 OAK ST, CHATTANOOGA, TN 37403-2408 |
| Document Number | 0402000214 |
| Book / Page | 011958 / 000650 |
| Instrument Date | Apr 1, 2020 |
| Instrument | 200402000214 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2020 |
| Title Company | CUMBERLAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,035.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 854 OAK ST CHATTANOOGA TN 374032408, CHATTANOOGA, TN 37403-2408 |
| Document Number | 402000215 |
|---|---|
| Date | Apr 2, 2020 |
| Book Page | 011958/000653 |
| Instrument | 200402000215 |
| Name | SOUTHEAST BK |
|---|---|
| Type | Bank |
| Address | KNOXVILLE, TN 37922 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 856 OAK ST, CHATTANOOGA, TN 37403-2408 |
| Document Number | 0000000111 |
| Book / Page | 011000 / 000238 |
| Instrument Date | Mar 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 856 OAK ST CHATTANOOGA TN 374032425, CHATTANOOGA, TN 37403-2425 |
| Document Number | 0000000111 |
|---|---|
| Date | Mar 16, 2017 |
| Book Page | 011000/000238 |
| Instrument | 111 |
| Name | BANKSOUTH |
|---|---|
| Address | 7911 MACON HWY, WATKINSVILLE, GA 30677-6050 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Mar 15, 2032 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 856 Oak St was $2,755, down 13.6% 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 | $2,755.00 (-13.61%) | $181,800 (+27.51%) | $727,200 (+27.51%) Land $112,500 Building $614,700 |
| 2024 | $3,189.00 | $142,575 (-) | $570,300 (-) Land $80,000 Building $490,300 |
| 2023 | $3,189.00 | $142,575 (-) | $570,300 (-) Land $80,000 Building $490,300 |
| 2022 | $3,189.00 | $142,575 | $570,300 Land $80,000 Building $490,300 |
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.
FEMA maps place 856 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 856 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures