1040 E Main St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 1040 E Main St, Chattanooga, TN 37408

Property Summary

Property Type	Commercial Vacant Land
Details	60,490 sqft · built 1935
Lot Size	2.05 acres (89,298 sqft)
Owner	Company Name on Record
Tax Bill	$15,561 (2025)
Deeds & Mortgages	Mar 2021 Transfer Nov 2020 Loan Modification + 6 more
Flood Zone	Zone X (minimal risk)
APN	`146P K 002`

Property Details

APN / Parcel Number

Primary APN	`146P K 002`
Alternative APNs	`0000077805` `77805`

Interior

Stories	1 Story
Building Area	60,490 sqft Total Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Brick Veneer
Roof Type	Steel Frame/Truss
Roof Material	Rolled Roofing
Lot Area	89,298 sqft (2.05 acres)
Lot Dimensions	794 ft deep x 300 ft wide
Total Buildings	8 Buildings

Location & Zoning

Street Address	1040 E MAIN ST
City	CHATTANOOGA
State	TN
Zip	37408-1540
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	M1
Legal Description	LT 1 WESTRIDGE AT THE PARK SUB PB 3 PG 39 REV 115-91 REV 119-26
Legal Subdivision	ORANGE GROVE
Legal Lot Number	1
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	3
Census Block	3010
Census Tract	2600

Historic Designation

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.

Owner

Source: Hamilton County records, as of January 2, 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 Record
Mailing Address	PO BOX 2007, CHATTANOOGA, TN 37409-0007
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Quit Claim Deed, Transfer TITLE GUARANTY, TITLE GUARANTY & TRUST CO
Nov 3, 2020	Loan Modification, Mortgage RELIANT BK
Apr 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 31, 2020	Deed of Trust, Construction Loan · Construction Mortgage RELIANT BK
Oct 17, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 3, 2019	Deed of Trust, Mortgage RELIANT BK
Apr 2, 2019	Warranty Deed, Transfer · Conventional Mortgage EAD HLDGS LLC
Feb 1, 2019	Warranty Deed, Transfer SOUTHEAST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2023
Deed Sale	Jan 5, 2023
Prior Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	202362
Deed Book / Page	13182 / 238
Prior Transfer Date	Mar 4, 2021
Prior Transfer Doc	0305000165
Record Updated	Sep 20, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 5, 2021
Property Address	1040 E MAIN ST, CHATTANOOGA, TN 37408-1540
Document Number	0000000165
Book / Page	12384 / 498
Map Reference	MB 115 PG 91
Instrument Date	Mar 4, 2021
Instrument	2021030500165
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3251, CHATTANOOGA, TN 37404-0251

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	1040 E MAIN ST, CHATTANOOGA, TN 37408-1540
Document Number	1228000127
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	1228000127
Date	Dec 28, 2020
Book Page	012289/000791
Instrument	201228000127

Lender

Name	RELIANT BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Dec 27, 2021

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 20, 2020
Property Address	1040 E MAIN ST, CHATTANOOGA, TN 37408-1540
Document Number	0420000179
Book / Page	011973 / 000701
Instrument Date	Apr 17, 2020
Instrument	200420000179
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2007 CHATTANOOGA TN 374090007, CHATTANOOGA, TN 37409-0007

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Mar 31, 2020
Property Address	1040 E MAIN ST, CHATTANOOGA, TN 37408-1540
Document Number	0331000078
Book / Page	011954 / 000507
Instrument Date	Mar 27, 2020
Instrument	200331000078
Transaction Type	Construction Loan
Record Updated	Jun 15, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	633 CHESTNUT ST #900 CHATTANOOGA TN 374500900, 900, CHATTANOOGA, TN 37450-0900

Mortgage

Document Number	331000078
Date	Mar 31, 2020
Book Page	011954/000507
Instrument	200331000078

Lender

Name	RELIANT BK
Type	Bank
Address	CHATTANOOGA, TN 37450

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 30, 2021

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 17, 2019
Property Address	1040 E MAIN ST, CHATTANOOGA, TN 37408-1540
Document Number	1017000179
Book / Page	011792 / 000440
Instrument Date	Oct 17, 2019
Instrument	191017000179
Transaction Type	Transfer
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2007 CHATTANOOGA TN 374090007, CHATTANOOGA, TN 37409-0007

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1040 E MAIN ST, CHATTANOOGA, TN 37408-1540
Document Number	0612000121
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	201 W MAIN ST #105 CHATTANOOGA TN 374081175, 105, CHATTANOOGA, TN 37408-1175

Mortgage

Document Number	0612000121
Date	Jun 12, 2019
Book Page	011667/000145
Instrument	190612000121

Lender

Name	RELIANT BK
Type	Bank
Address	633 CHESTNUT ST, CHATTANOOGA, TN 37450-4000

Agreement

Amount	Amount Recorded

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 2, 2019
Property Address	1040 E MAIN ST, CHATTANOOGA, TN 37408-1540
Document Number	0402000123
Book / Page	011603 / 000083
Instrument Date	Mar 26, 2019
Instrument	190402000123
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,734.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	222 S CREST RD CHATTANOOGA TN 374045521, CHATTANOOGA, TN 37404-5521

Mortgage

Document Number	402000125
Date	Apr 2, 2019
Book Page	011603/000097
Instrument	190402000125

Lender

Name	EAD HLDGS LLC
Address	733 CHESTNUT ST # 900, CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	402000124,
Date	Apr 2, 2019
Book Page	011603/000086
Instrument	190402000124

Lender

Name	SOUTHEAST BK
Type	Bank
Address	9218 LEE HWY, OOLTEWAH, TN 37363-6865

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 1, 2019
Property Address	1040 E MAIN ST, CHATTANOOGA, TN 37408-1540
Document Number	0201000088
Book / Page	011556 / 000495
Instrument Date	Jan 31, 2019
Instrument	190201000088
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,959.26
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	633 CHESTNUT ST #900 CHATTANOOGA TN 374500900, 900, CHATTANOOGA, TN 37450-0900

Mortgage

Document Number	201000089
Date	Feb 1, 2019
Book Page	011556/000498
Instrument	190201000089

Lender

Name	SOUTHEAST BK
Type	Bank
Address	9218 LEE HWY, OOLTEWAH, TN 37363-6865

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Chattanooga City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,561.00 (-20.7%)	$1,026,680 (+17.06%)	$2,566,700 (+17.06%) Land $2,566,700
2024	$19,622.00	$877,080 (-)	$2,192,700 (-) Land $2,192,700
2023	$19,622.00	$877,080 (-)	$2,192,700 (-) Land $2,031,000 Building $161,700
2022	$19,622.00	$877,080	$2,192,700 Land $2,031,000 Building $161,700

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	24 (1983–2015)
Claims Outside the SFHA	4 of 24
Most Recent Claim	Apr 2015 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 5 claims Extensive Rainfall And Flash Flooding, Mar 1994 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 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

May also be available: AT&T, T-Mobile.

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