Hamilton County property record for 907 Normal Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 981 sqft · built 1950 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $211,000 (Mar 2020) |
| Tax Bill | $1,325 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Nov 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 136A E 026 |
| Primary APN | 136A E 026 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 981 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Asbestos |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,000 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000060948 |
|---|---|
| Street Address | 907 NORMAL AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 1 BLK 2 MAP NO 1 NORTH CHATT PB 3 PG 31 |
| Legal Subdivision | NORTH CHATT MAP NO 1 |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 600 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Hamilton County assessment roll, as of May 20, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 907 NORMAL AVE, CHATTANOOGA, TN 37405-3001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed of Trust, Mortgage · Line of Credit TENNESSEE VALLEY FCU |
| Nov 13, 2017 | Deed of Trust, Mortgage · Commercial Mortgage LARRY VARNELL |
| Mar 12, 2020 | Warranty Deed, Transfer · Conventional with PMI BENCHMARK HM LN |
| Nov 13, 2017 | Warranty Deed, Transfer NORTH START TITLE INSURANCE AGENCY INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 12, 2020 · Amount on Record |
| Deed Sale | Mar 12, 2020 · Amount on Record |
| Prior Sale | Nov 13, 2017 · Amount on Record |
| Deed Document Number | 0011936700 |
| Deed Book / Page | 11936 / 700 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 907 NORMAL AVE, CHATTANOOGA, TN 37405-3001 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000072 |
|---|---|
| Date | Oct 23, 2025 |
| Book Page | 14084/176 |
| Instrument | 2025102300072 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 25, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 907 NORMAL AVE, CHATTANOOGA, TN 37405-3001 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000117 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 11202/064 |
| Instrument | 2017111300117 |
| Name | LARRY VARNELL |
|---|---|
| Type | Private Party |
| Address | 00000 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 2, 2018 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 12, 2020 |
| Property Address | 907 NORMAL AVE, CHATTANOOGA, TN 37405-3001 |
| Document Number | 0312000284 |
| Book / Page | 011936 / 000700 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 200312000284 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2020 |
| Title Company | CUMBERLAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $781.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 907 NORMAL AVE CHATTANOOGA TN 374053001, CHATTANOOGA, TN 37405-3001 |
| Document Number | 312000285 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 011936/000703 |
| Instrument | 200312000285 |
| Name | BENCHMARK HM LN |
|---|---|
| Type | Funding / Finance Company |
| Address | PLANO, TX 75024 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 13, 2017 |
| Property Address | 907 NORMAL AVE, CHATTANOOGA, TN 37405-3001 |
| Document Number | 0000000008 |
| Book / Page | 011201 / 000775 |
| Instrument Date | Nov 8, 2017 |
| Instrument | 8 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2018 |
| Title Company | NORTH START TITLE INSURANCE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $276.29 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 907 NORMAL AVE CHATTANOOGA TN 374053001, CHATTANOOGA, TN 37405-3001 |
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 | $1,325.00 (+9.05%) | $87,450 (+60.98%) | $349,800 (+60.98%) Land $225,000 Building $124,800 |
| 2024 | $1,215.00 | $54,325 (-) | $217,300 (-) Land $150,000 Building $67,300 |
| 2023 | $1,215.00 | $54,325 (-) | $217,300 (-) Land $150,000 Building $67,300 |
| 2022 | $1,215.00 | $54,325 | $217,300 Land $150,000 Building $67,300 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.3% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 551 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Electric Power Board of Chattanooga, Tennessee Fiber | 100,000 / 100,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
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