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862 Oak St, Chattanooga, TN 37403 Property Records

Hamilton County property record for 862 Oak St, Chattanooga, TN 37403

Property Summary

Property TypeSingle Family Home
Details2 ba · 3,140 sqft · built 1920
Lot Size0.171 acres (7,450 sqft)
Owner2 Individual Names on Record
Last Sale$835,000 (Dec 2025)
Tax Bill$2,874 (2025)
Deeds & MortgagesDec 2025 Sale
Jun 2023 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN146H E 028

Property Details

APN / Parcel Number

Primary APN146H E 028
Alternative APN
  • 0000074426

Interior

Full Baths2 Baths
Stories2 Stories
Building Area3,140 sqft Living Area

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1958
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,450 sqft (0.171 acres)
Lot Dimensions149 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000074426
Street Address862 OAK ST
CityCHATTANOOGA
StateTN
Zip37403-2408
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionLT 14 RICHMONDS ADDN PB1 PG34
Legal SubdivisionRICHMONDS ADDN
Legal Lot Number14
JurisdictionHAMILTON TN
Township / Civil Division4
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

Source: Hamilton County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address862 OAK ST, CHATTANOOGA, TN 37403-2408
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 5, 2025Warranty Deed, Transfer
BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC
Jun 8, 2023Intrafamily Transfer, Transfer
Apr 5, 2022Special Warranty Deed, Transfer · Conventional Mortgage
INDEPENDENT BANK
Oct 25, 2021Special Warranty Deed, Transfer
CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO
Mar 16, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 5, 2025 · Amount on Record
Deed SaleDec 5, 2025 · Amount on Record
Prior SaleApr 5, 2022 · Amount on Record
Deed Document Number2025201
Deed Book / Page14129 / 540
Prior Transfer DateMay 24, 2023
Prior Transfer Doc0000000111
Record UpdatedOct 29, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateDec 5, 2025
Property Address862 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000201
Book / Page14129 / 540
Map ReferenceMB 1 PG 34
Instrument DateDec 4, 2025
Instrument2025120500201
Transaction TypeTransfer
Record UpdatedDec 17, 2025
Title CompanyBRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address862 OAK ST, CHATTANOOGA, TN 37403-2408

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHAMILTON TN
Recording DateJun 8, 2023
Property Address862 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000111
Book / Page13313 / 691
Map ReferenceMB 1 PG 34
Instrument DateMay 24, 2023
Instrument2023060800111
Transaction TypeTransfer
Record UpdatedSep 25, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Revocable Trust
Address862 OAK ST, CHATTANOOGA, TN 37403-2408

April 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionHAMILTON TN
Recording DateApr 5, 2022
Property Address862 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000253
Book / Page12911 / 72
Map ReferenceMB 1 PG 34
Instrument DateMar 25, 2022
Instrument2022040500253
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyBRIDGE CITY TITLE DOWNTOWN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,179.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address862 OAK ST, CHATTANOOGA, TN 37403-2408

Mortgage

Document Number0001291175
DateApr 5, 2022
Instrument12911/75
Lender
NameINDEPENDENT BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2052

October 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionHAMILTON TN
Recording DateOct 25, 2021
Property Address862 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000246
Book / Page12704 / 895
Instrument DateOct 22, 2021
Instrument2021102500246
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyCUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

AmountAmount Recorded
Tax$2,312.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2711 CAHABA RD, MOUNTAIN BRK, AL 35223-2303

March 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateMar 16, 2018
Property Address862 OAK ST, CHATTANOOGA, TN 37403-2408
Document Number0000000057
Book / Page011294 / 000774
Instrument DateMar 9, 2018
Instrument57
Transaction TypeTransfer
Record UpdatedMar 23, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address865 OAK ST CHATTANOOGA TN 374032409, CHATTANOOGA, TN 37403-2409

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

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$2,874.00 (+13.15%)$189,675 (+67.04%)$758,700 (+67.04%) Land $150,000 Building $608,700
2024$2,540.00$113,550 (-)$454,200 (-) Land $100,000 Building $354,200
2023$2,540.00$113,550 (-)$454,200 (-) Land $100,000 Building $354,200
2022$2,540.00$113,550$454,200 Land $100,000 Building $354,200

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

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

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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