Hamilton County property record for 905 Oak St, Chattanooga, TN 37403
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,327 sqft · built 1900 |
| Lot Size | 0.157 acres (6,875 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Oct 2020) |
| Tax Bill | $3,474 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 146H F 003 |
| Primary APN | 146H F 003 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,327 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,875 sqft (0.157 acres) |
| Lot Dimensions | 125 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000074429 |
|---|---|
| Street Address | 905 OAK ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37403-2411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 19 RICHMONDS ADDN PB1 PG34 |
| Legal Subdivision | RICHMONDS ADDN |
| Legal Lot Number | 19 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2015 |
| 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.
905 Oak St is owned and occupied by two individuals who bought it in October 2020.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 905 OAK ST, CHATTANOOGA, TN 37403-2411 |
| 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.
| Date | Document |
|---|---|
| Mar 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Oct 6, 2020 | Warranty Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2020 · Amount on File |
| Deed Sale | Oct 6, 2020 · Amount on File |
| Prior Sale | Jun 30, 2000 · Amount on File |
| Deed Document Number | 2020100600313 |
| Deed Book / Page | 12181 / 858 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 905 OAK ST, CHATTANOOGA, TN 37403-2411 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000098 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | 12886/717 |
| Instrument | 2022031800098 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BRENTWOOD, TN 37027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 6, 2020 |
| Property Address | 905 OAK ST, CHATTANOOGA, TN 37403-2411 |
| Document Number | 1006000313 |
| Book / Page | 012181 / 000858 |
| Instrument Date | Oct 5, 2020 |
| Instrument | 201006000313 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,887.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 905 OAK ST CHATTANOOGA TN 374032411, CHATTANOOGA, TN 37403-2411 |
The 2025 property tax bill for 905 Oak St was $3,474, up 15.8% 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 | $3,474.00 (+15.76%) | $229,250 (+70.86%) | $917,000 (+70.86%) Land $150,000 Building $767,000 |
| 2024 | $3,001.00 | $134,175 (-) | $536,700 (-) Land $100,000 Building $436,700 |
| 2023 | $3,001.00 | $134,175 (-) | $536,700 (-) Land $100,000 Building $436,700 |
| 2022 | $3,001.00 | $134,175 | $536,700 Land $100,000 Building $436,700 |
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 905 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 905 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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