10 Watauga Avenue, Chattanooga
technical data · neighborhood and transit
Quick answers
- Is 10 Watauga Avenue in a flood zone?
- No. FEMA maps it in Zone X, outside the high-risk flood area. Flood insurance is optional.
- What is the 2026 conforming loan limit in Hamilton County?
- $832,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 1, the highest potential. Test for radon before you buy.
- What natural disasters is 10 Watauga Avenue at risk for?
- FEMA's National Risk Index rates the area relatively moderate overall, with elevated tornado risk.
Safety and environment
FEMA natural hazard risk
Relatively Moderate
Highest for this area: tornado. These drive insurance cost here.
FEMA National Risk Index, census tract
FEMA flood zone
Zone X
Moderate flood hazard: a 0.2% annual chance. Flood insurance is optional and usually cheaper here.
FEMA National Flood Hazard Layer (FIRM)
Superfund site
5,050 ft
Southside Chattanooga Lead (NPL Site). Check groundwater and vapor reports on the EPA site page.
EPA National Priorities List
Leaking fuel tanks
8 within 1,650 ft
Nearest: Gentry And Painter Cons Co, 1918 Greenwood Ave (1,000 ft), no further action. Every release here is closed by the state regulator.
EPA UST Finder, leaking underground storage tank releases
Brownfield site
1,850 ft
Main Street Property Arcade Printing. Former industrial land in EPA's cleanup and reuse program.
EPA ACRES Brownfields
Toxic release facility
1,800 ft
Arcade Marketing Inc and 8 more within a mile. Reports chemical releases to air, water or land to EPA each year.
EPA Toxics Release Inventory
Radon potential
High
Average indoor levels here can exceed 4 pCi/L, EPA's action level. A $15 test kit settles it before you buy.
EPA and USGS Geologic Radon Potential Map
Wildfire risk
Very Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
2,600 ft
Chattanooga Charter School of Excellence (2,600 ft), Chattanooga Charter School of Excellence Middle (2,700 ft), East Side Elementary School (3,150 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Sinkhole-prone ground
Limestone karst
The bedrock here (limestone, Chickamauga Group, includes Upper part of Chickamauga Group (Reedsville Shale, and Unnamed limestone unit) and Middle and Lower part of Chickamauga Group (Moccasin Formation, Bays Formation, Ottosee Shale, Holston Formation, Lenoir Limestone, Athens) can dissolve and open sinkholes. Ask for a geotechnical report and check whether sinkhole coverage is in the insurance policy.
USGS Karst in the United States (OFR 2014-1156)
Conforming loan limit 2026
$832,750
Hamilton County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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More on Watauga Avenue
All addressesViewing recommendations
What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- This is a house, not an apartment. Check the lot boundaries, car access, and how water drains from the yard after rain, including whether the neighboring lot sits higher and could send water toward the property.
- Check exactly where you'd park: a spot in the yard or garage, or street parking, and how crowded the street gets in the evening.
- Knock on a neighboring gate and ask about noise, pets, flooding, or other issues common in the area.
- Ask what heating system is in place (own boiler, wood, gas) and request the last winter month's bills.
- Check the sewer connection (public network or septic tank) and the water source (public network or well), including pressure and water quality.
- Schedule a viewing in the evening too, on a weekday, to see street traffic, streetlights, and how quiet the neighborhood is after 8 PM.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.