1129 Baldwin St, Chattanooga, TN 37403 Property Records

Hamilton County property record for 1129 Baldwin St, Chattanooga, TN 37403

Property Summary

Property Type	Office Building
Details	11,980 sqft · built 1976
Lot Size	0.398 acres (17,376 sqft)
Owner	Company Name on File
Last Sale	$970,000 (Dec 2025)
Tax Bill	$7,546 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145E R 007`

Property Details

APN / Parcel Number

Primary APN	`145E R 007`
Alternative APN	`0000070384`

Interior

Stories	1 Story
Building Area	11,980 sqft Total Area

Exterior

Year Built	Built 1976
Exterior Material	Concrete Block
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	17,376 sqft (0.398 acres)
Lot Dimensions	181 ft deep x 96 ft wide
Loading Dock	11,980 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	0000070384
Street Address	1129 BALDWIN ST
City	CHATTANOOGA
State	TN
Zip	37403-3113
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	M1
Legal Description	PT LTS 210 211 212&214-217 BLK 17&18 CENTRAL LAND CO PB5 PG4
Legal Subdivision	CENTRAL LAND CO
Legal Block	17-18
Legal Lot Number	210,211 211
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3014
Census Tract	12400

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

1129 Baldwin St, a commercial property, is owned by a company that bought it in December 2025 and is owner-occupied.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	Company Name on File
Mailing Address	1129 BALDWIN ST, CHATTANOOGA, TN 37403-3113
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST HORIZON BANK
Dec 23, 2025	Warranty Deed, Transfer · Commercial Mortgage WESBANCO BANK INC
May 30, 2018	Deed of Trust, Mortgage PINNACLE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2025 · Amount on File
Deed Sale	Dec 23, 2025 · Amount on File
Prior Sale	May 5, 2015 · Amount on File
Deed Document Number	2025122300162
Deed Book / Page	14148 / 192
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1129 BALDWIN ST, CHATTANOOGA, TN 37403-3113
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000109
Date	Jan 26, 2022
Book Page	12822/800
Instrument	2022012600109

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 14, 2032

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 23, 2025
Property Address	1129 BALDWIN ST, CHATTANOOGA, TN 37403-3113
Document Number	0000000162
Book / Page	14148 / 192
Map Reference	MB 5 PG 4
Instrument Date	Dec 19, 2025
Instrument	2025122300162
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1129 BALDWIN ST, CHATTANOOGA, TN 37403-3113

Mortgage

Document Number	0014148195
Date	Dec 23, 2025
Instrument	14148/195

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 19, 2030

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1129 BALDWIN ST, CHATTANOOGA, TN 37403-3113
Document Number	0000000165
Instrument Date	May 30, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 429 CHATTANOOGA TN 374010429, CHATTANOOGA, TN 37401-0429

Mortgage

Document Number	0000000165
Date	Jun 8, 2018
Book Page	011369/000365
Instrument	165

Lender

Name	PINNACLE BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1129 Baldwin St was $7,546, up 71.8% from the year before.

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	$7,546.00 (+71.77%)	$497,920 (+153.58%)	$1,244,800 (+153.58%) Land $252,100 Building $992,700
2024	$4,393.00	$196,360 (-)	$490,900 (-) Land $76,100 Building $414,800
2023	$4,393.00	$196,360 (-)	$490,900 (-) Land $76,100 Building $414,800
2022	$4,393.00	$196,360	$490,900 Land $76,100 Building $414,800

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

FEMA maps place 1129 Baldwin St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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
Nearby Flood Claims	6 (1978–1980)
Most Recent Claim	Mar 1980 · tidal / storm surge

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

The area around 1129 Baldwin St has no burnable land within ember reach, so its wildfire risk is not rated.

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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: AT&T, Verizon.

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