1161 E Main St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 1161 E Main St, Chattanooga, TN 37408

Property Summary

Property Type	Office Building
Details	4,414 sqft · built 1959
Lot Size	0.185 acres (8,082 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Mar 2020)
Tax Bill	$3,560 (2025)
Deeds & Mortgages	Mar 2020 Sale Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`146P E 013`

Property Details

APN / Parcel Number

Primary APN	`146P E 013`
Alternative APN	`0000077704`

Interior

Stories	1 Story
Building Area	4,414 sqft Total Area

Exterior

Year Built	Built 1959
Exterior Material	Concrete Block
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	8,082 sqft (0.185 acres)
Lot Dimensions	132 ft deep x 61 ft wide
Total Buildings	2 Buildings

Location & Zoning

Account Number	0000077704
Street Address	1161 E MAIN ST
City	CHATTANOOGA
State	TN
Zip	37408-1611
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	M1
Legal Description	LT 404 PT 405 ORANGE GROVE PB3 PG39 0103 10 17
Legal Subdivision	ORANGE GROVE
Legal Lot Number	404
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1041
Census Tract	1400

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	2 Individual Names on Record
Mailing Address	1433 WILLIAMS ST STE 2B, 2B, CHATTANOOGA, TN 37408-1153
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2020	Warranty Deed, Subdivision Related Transfer TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC
Dec 15, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRST VOLUNTEER BK
Sep 28, 2017	Limited Warranty Deed, Transfer · Commercial Mortgage FIRST VOLUNTEER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2020 · Amount on Record
Deed Sale	Mar 2, 2020 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	2020030200154
Deed Book / Page	11923 / 753
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 2, 2020
Property Address	1161 E MAIN ST, CHATTANOOGA, TN 37408-1611
Document Number	0302000154
Book / Page	011923 / 000753
Instrument Date	Feb 28, 2020
Instrument	200302000154
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 20, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Tax	$2,128.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1433 WILLIAMS ST #2B CHATTANOOGA TN 374081153, 2B, CHATTANOOGA, TN 37408-1153

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 15, 2017
Property Address	1161 E MAIN ST, CHATTANOOGA, TN 37408-1611
Book / Page	011228 / 000151
Instrument Date	Dec 14, 2017
Instrument	111
Transaction Type	Construction Loan
Record Updated	Jan 31, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1161 E MAIN ST CHATTANOOGA TN 374081611, CHATTANOOGA, TN 37408-1611
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000111
Date	Dec 15, 2017
Book Page	011228/000151
Instrument	111

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 14, 2018

Interest

Rate Type	Adjustable Rate

September 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 28, 2017
Property Address	1161 E MAIN ST, CHATTANOOGA, TN 37408-1611
Document Number	0000000192
Book / Page	11165 / 864
Map Reference	MB3 PG39
Instrument Date	Sep 22, 2017
Instrument	2017092800192
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	JONES RAULSTON TITLE INS AGE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,537.35
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1161 E MAIN ST, CHATTANOOGA, TN 37408-1611

Mortgage

Document Number	0000000193
Date	Sep 28, 2017
Instrument	2017092800193

Lender

Name	FIRST VOLUNTEER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Sep 25, 2024

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	$3,560.00 (-17.97%)	$234,880 (+21.07%)	$587,200 (+21.07%) Land $185,900 Building $401,300
2024	$4,340.00	$194,000 (-)	$485,000 (-) Land $282,900 Building $202,100
2023	$4,340.00	$194,000 (-)	$485,000 (-) Land $282,900 Building $202,100
2022	$4,340.00	$194,000	$485,000 Land $282,900 Building $202,100

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1990–1997)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 1997 · rainfall accumulation

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 99.8% of the US · lower than 99.8% 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 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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