Hamilton County property record for 1010 Central Ave, Chattanooga, TN 37403 · Last verified January 2026
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 1,976 sqft · built 1948 |
| Lot Size | 0.286 acres (12,495 sqft) |
| Owner | Company Name on File |
| Last Sale | $60,000 (May 2014) |
| Tax Bill | $1,206 (2025) |
| Deeds & Mortgages | Jan 2025 Line of Credit Jun 2020 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 146I C 011 |
| Primary APN | 146I C 011 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,976 sqft Total Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Concrete Block |
| Lot Area | 12,495 sqft (0.286 acres) |
| Lot Dimensions | 150 ft deep x 83.3 ft wide |
| Sewer | Connected |
|---|
| Account Number | 0000074775 |
|---|---|
| Street Address | 1010 CENTRAL AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37403-3014 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | LT 10 PT 11 LOVEMANS ADDN PB1 PG32 |
| Legal Subdivision | LOVEMANS ADDN |
| Legal Lot Number | 10 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 1400 |
Source: Hamilton County records · APN 146I C 011
Assessment roll updated May 20, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 515 DRUID LN, CHATTANOOGA, TN 37405-4039 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 09, 2025 | Deed of Trust, Mortgage · Line of Credit SMARTBANK |
| Jun 01, 2020 | Deed of Trust, Construction Loan · Construction Mortgage FIRST CITIZENS NAT'L BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 30, 2014 · Amount on Record |
| Deed Sale | May 30, 2014 · Amount on Record |
| Prior Sale | Dec 12, 1997 · Amount on Record |
| Deed Document Number | 2014053000191 |
| Deed Book / Page | 10225 / 283 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1010 CENTRAL AVE, CHATTANOOGA, TN 37403-3014 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | FILE TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000000088 |
|---|---|
| Date | Jan 09, 2025 |
| Book Page | 13809/804 |
| Instrument | 2025010900088 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | HIXSON, TN 37343 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Feb 02, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 01, 2020 |
| Property Address | 1010 CENTRAL AVE, CHATTANOOGA, TN 37403-3014 |
| Document Number | 0601000190 |
| Book / Page | 012019 / 000282 |
| Instrument Date | May 21, 2020 |
| Instrument | 200601000190 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 17, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 515 DRUID LN CHATTANOOGA TN 374054039, CHATTANOOGA, TN 37405-4039 |
| Document Number | 601000190 |
|---|---|
| Date | Jun 01, 2020 |
| Book Page | 012019/000282 |
| Instrument | 200601000190 |
| Name | FIRST CITIZENS NAT'L BK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38025-0370 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 31, 2021 |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,206.00 (+181.78%) | $79,600 (+315.45%) | $199,000 (+315.45%) Land $181,300 Building $17,700 |
| 2024 | $428.00 | $19,160 (-) | $47,900 (-) Land $35,400 Building $12,500 |
| 2023 | $428.00 | $19,160 (-) | $47,900 (-) Land $35,400 Building $12,500 |
| 2022 | $428.00 | $19,160 | $47,900 Land $35,400 Building $12,500 |
Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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