1198 E Main St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 1198 E Main St, Chattanooga, TN 37408

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,036 sqft · built 1920
Lot Size	0.136 acres (5,964 sqft)
Owner	Company Name on File
Last Sale	$400,000 (Mar 2022)
Tax Bill	$2,148 (2025)
Deeds & Mortgages	Mar 2022 Sale
Flood Zone	Zone X (moderate risk)
APN	`146P K 016`

Property Details

APN / Parcel Number

Primary APN	`146P K 016`
Alternative APN	`0000077820`

Interior

Stories	1 Story
Building Area	4,036 sqft Total Area

Exterior

Year Built	Built 1920
Exterior Material	Brick Veneer
Roof Type	Wood Truss
Roof Material	Rolled Roofing
Lot Area	5,964 sqft (0.136 acres)
Lot Dimensions	140 ft deep x 42.6 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	0000077820
Street Address	1198 E MAIN ST
City	CHATTANOOGA
State	TN
Zip	37408
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	M1
Legal Description	LT 37 ORANGE GROVE PB 3 PG 39
Legal Subdivision	ORANGE GROVE
Legal Lot Number	37
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	3
Census Block	3011
Census Tract	2600

Owner

Source: Hamilton County records · APN 146P K 016

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	1100 E 16TH ST, CHATTANOOGA, TN 37408-2301
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 21, 2022 · Amount on Record
Deed Sale	Mar 21, 2022 · Amount on Record
Deed Document Number	2022032100112
Deed Book / Page	12888 / 319
Record Updated	Jun 08, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 21, 2022
Property Address	1198 E MAIN ST, CHATTANOOGA, TN 37408
Document Number	0000000112
Book / Page	12888 / 319
Map Reference	MB 3 PG 39
Instrument Date	Mar 18, 2022
Instrument	2022032100112
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount Recorded
Tax	$1,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 E 14TH ST, CHATTANOOGA, TN 37408-1605

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 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

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	$2,148.00 (-0.97%)	$141,760 (+46.2%)	$354,400 (+46.2%) Land $137,200 Building $217,200
2024	$2,169.00	$96,960 (-)	$242,400 (-) Land $208,700 Building $33,700
2023	$2,169.00	$96,960 (-)	$242,400 (-) Land $208,700 Building $33,700
2022	$2,169.00	$96,960	$242,400 Land $208,700 Building $33,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 30, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

Wildfire

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 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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Electric Power Board of Chattanooga, Tennessee Fiber	100,000 / 100,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

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

Based on FCC filings for 122 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TENNESSEE AMERICAN WATER private · serves 207,046 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.