1222 E Main St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 1222 E Main St, Chattanooga, TN 37408

Property Summary

Property Type	Office Building
Details	11,197 sqft · built 1949
Lot Size	0.519 acres (22,651 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,817 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`146P K 018`

Property Details

APN / Parcel Number

Primary APN	`146P K 018`
Alternative APN	`0000077822`

Interior

Stories	1 Story
Building Area	11,197 sqft Total Area

Exterior

Year Built	Built 1949
Exterior Material	Concrete Block
Roof Type	Steel Frame/Truss
Roof Material	Built-Up Asphalt
Lot Area	22,651 sqft (0.519 acres)
Lot Dimensions	404 ft deep x 190 ft wide
Total Buildings	4 Buildings

Location & Zoning

Account Number	0000077822
Street Address	1222 E MAIN ST
City	CHATTANOOGA
State	TN
Zip	37408-1618
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	UGC
Legal Description	LT 2 WHEELHOUSE PB 3 PG 39 REV 101-146 REV 114-103
Legal Range	04
Legal Township	02
Legal Section	34
Legal Subdivision	ORANGE GROVE
Legal Lot Number	2 43
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 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	1222 E MAIN ST, CHATTANOOGA, TN 37408-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK
Dec 1, 2020	Deed of Trust, Mortgage PINNACLE BK
Mar 21, 2018	Deed of Trust, Mortgage · Line of Credit PINNACLE BK/WY CHEYENNE BR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2015
Deed Sale	Oct 2, 2015
Deed Document Number	0010593757
Prior Transfer Date	May 6, 2015
Prior Transfer Doc	2015050600139
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1222 E MAIN ST, CHATTANOOGA, TN 37408-1618
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1623 OOLTEWAH RINGGOLD RD, RINGGOLD, GA 30736-4107

Mortgage

Document Number	0000000177
Date	Jan 12, 2026
Book Page	14163/614
Instrument	2026011200177

Lender

Name	PINNACLE BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Dec 15, 2030

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1222 E MAIN ST, CHATTANOOGA, TN 37408-1618
Document Number	1207000185
Instrument Date	Dec 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1623 OOLTEWAH RINGGOLD RD RINGGOLD GA 307364107, RINGGOLD, GA 30736-4107

Mortgage

Document Number	1207000185
Date	Dec 7, 2020
Book Page	012261/000367
Instrument	201207000185

Lender

Name	PINNACLE BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1222 E MAIN ST, CHATTANOOGA, TN 37408-1618
Document Number	0000000292
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 COLLEGEVIEW DR OOLTEWAH TN 373638734, OOLTEWAH, TN 37363-8734

Mortgage

Document Number	0000000292
Date	Apr 2, 2018
Book Page	011308/000058
Instrument	292

Lender

Name	PINNACLE BK/WY CHEYENNE BR
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,817.00 (-28.04%)	$383,800 (+6.21%)	$959,500 (+6.21%) Land $521,000 Building $438,500
2024	$8,084.00	$361,360 (-)	$903,400 (-) Land $634,200 Building $269,200
2023	$8,084.00	$361,360 (-)	$903,400 (-) Land $634,200 Building $269,200
2022	$8,084.00	$361,360	$903,400 Land $634,200 Building $269,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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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