1040 Stuart St, Chattanooga, TN 37406 Property Records

Hamilton County property record for 1040 Stuart St, Chattanooga, TN 37406

Property Summary

Property Type	Warehouse, Storage
Details	4,095 sqft · built 1986
Lot Size	0.429 acres (18,706 sqft)
Owner	Company Name on Record
Last Sale	$290,000 (Jul 2021)
Tax Bill	$3,115 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`127K B 013.02`

Property Details

APN / Parcel Number

Primary APN	`127K B 013.02`
Alternative APN	`0000051498`

Interior

Stories	1 Story
Building Area	4,095 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Rigid Frame Bar Joist
Roof Material	Shingle
Lot Area	18,706 sqft (0.429 acres)
Lot Dimensions	268 ft deep x 69.8 ft wide

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	0000051498
Old Parcel Number	127K B 01302
Street Address	1040 STUART ST
City	CHATTANOOGA
State	TN
Zip	37406-1765
Property Category	Industrial
Property Type	Industrial > Warehouse, Storage
Local Zoning Code	M1
Legal Description	LT 2 AMNICOLA FARM PB41 PG51
Legal Subdivision	AMNICOLA FARM
Legal Lot Number	2
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	3
Census Block	3029
Census Tract	12300

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 December 31, 2025

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	801 BROAD ST, CHATTANOOGA, TN 37402-2671
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage MILLENNIUM BANK
Apr 14, 2021	Warranty Deed, Transfer TITLE GUARANTY, TITLE GUARANTY AND TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2021 · Amount on Record
Deed Sale	Jul 22, 2021 · Amount on Record
Prior Sale	Apr 14, 2021 · Amount on Record
Deed Document Number	2021072200096
Deed Book / Page	12578 / 564
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 22, 2021
Property Address	1040 STUART ST, CHATTANOOGA, TN 37406-1765
Document Number	0000000096
Book / Page	12578 / 564
Map Reference	MB 41 PG 51
Instrument Date	Jul 21, 2021
Instrument	2021072200096
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 BROAD ST, CHATTANOOGA, TN 37402-2671

Mortgage

Document Number	0012578567
Date	Jul 22, 2021
Instrument	12578/567

Lender

Name	MILLENNIUM BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 14, 2021
Property Address	1040 STUART ST, CHATTANOOGA, TN 37406-1765
Document Number	0000000194
Book / Page	12444 / 653
Map Reference	MB 41 PG 51
Instrument Date	Apr 13, 2021
Instrument	2021041400194
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY AND TRUST CO

Transaction

Amount	Amount Recorded
Tax	$1,073.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9412 STANDIFER GAP RD, OOLTEWAH, TN 37363-8541

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

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	$3,115.00 (+34.56%)	$205,560 (+98.65%)	$513,900 (+98.65%) Land $325,800 Building $188,100
2024	$2,315.00	$103,480 (-)	$258,700 (-) Land $125,300 Building $133,400
2023	$2,315.00	$103,480 (-)	$258,700 (-) Land $125,300 Building $133,400
2022	$2,315.00	$103,480	$258,700 Land $125,300 Building $133,400

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 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

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	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 44 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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