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CondominiumResidential
$393,559$311 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $240,000 on May 11, 2015

522 RIVER ST

CHATTANOOGA, TN 37405
0
Baths
1,267 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3.73 ac
Lot SizeThe size of the land the home sits on, from county records.
1966
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$394K
$346K low$441K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$240,000 · May 11, 2015
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$214,909
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$171,927
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.45%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$178,650
NEWREZ LLC · recorded Dec 11, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,414 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$93,275 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$73,750
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$373,100

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.59
86
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
89
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyHAMILTON
Lot (acres)The size of the land the home sits on, from county records.3.73
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Normal Park Museum Magnet SchoolB+
Elementary · Grades PK–8 · 1.2 mi
H
Red Bank High SchoolC
High · Grades 9–12 · 4.3 mi

District: Hamilton County School District

Neighborhood · ZIP 37405These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.126
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.136

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.19,694
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.348 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,031
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,822
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.60 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

522 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 73% of homes in North Chattanooga / Hill City
  • Costs more per square foot than 92% of homes in Hamilton County
  • Smaller than 77% of homes in Hamilton County
  • Among the largest lots in North Chattanooga / Hill City

What homes are worth in Chattanooga 37405

Each bar is how many homes fall in that price range. The marker is this home.

This home
$110K$2.6M

This home is worth more than 42% of homes in Chattanooga 37405.

How it measures up in Chattanooga 37405

The dot is this home. The mark in the middle is the typical home in Chattanooga 37405.

Estimated value$393,559
CheaperTypical $451,862Pricier

Pricier than 42% of homes nearby

Price per ft²$311
CheaperTypical $294Pricier

Pricier than 56% of homes nearby

Living area1,267 ft²
SmallerTypical 1,510 ft²Bigger

Bigger than 39% of homes nearby

Lot size3.73 ac
SmallerTypical 0.37 acBigger

Bigger than 97% of homes nearby

Year built1966
OlderTypical 1975Newer

Newer than 44% of homes nearby

How 522 River St ranks against every home in each area.
MeasureThis homeNorth Chattanooga / Hill CityChattanooga 37405Hamilton County
Estimated valuepricier than$393,55927% of homes42% of homes59% of homes
Price per ft²pricier than$31135% of homes56% of homes92% of homes
Living areabigger than1,267 ft²36% of homes39% of homes23% of homes
Lot sizebigger than3.73 acalmost all homes97% of homes95% of homes
Year builtnewer than196648% of homes44% of homes36% of homes

About 522 River St

How much is 522 River St, Chattanooga, TN worth?

The TopHap Estimate for 522 River St, Chattanooga, TN is $393,559 as of Jun 23, 2026. The likely range is $346,331 to $440,786. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 522 River St, Chattanooga, TN last sell?

522 River St, Chattanooga, TN last sold on May 11, 2015 for $240,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 522 River St, Chattanooga, TN?

522 River St, Chattanooga, TN has 1,267 square feet of living space and a 3.73-acre lot.

When was 522 River St, Chattanooga, TN built?

522 River St, Chattanooga, TN was built in 1966, making it 60 years old. It is a condo/apartment home. The building has 1 story.

What schools serve 522 River St, Chattanooga, TN?

522 River St, Chattanooga, TN is assigned to Normal Park Museum Magnet School (elementary), rated B+; Red Bank High School (high), rated C. All sit in Hamilton County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 522 River St, Chattanooga, TN compare to other homes in Chattanooga 37405?

Among the 6,960 homes in Chattanooga 37405, it is worth more than 42% of them ($393,559 against a typical $451,862), its price per square foot is higher than 56% of them ($311 against a typical $294), it is bigger than 39% of them (1,267 ft² against a typical 1,510 ft²), its lot is bigger than 97% of them (3.73 ac against a typical 0.37 ac) and it is newer than 44% of them (1966 against a typical 1975). Measured against all of Hamilton County, it is worth more than 59% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 522 River St, Chattanooga, TN?

The 2025 property tax bill for 522 River St, Chattanooga, TN was $1,414. The county assessed it at $93,275.

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Assigned schools

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