1303 Commerce St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 1303 Commerce St, Chattanooga, TN 37404

Property Summary

Property Type	Religious, Church, Worship (Synagogue, Temple, Parsonage)
Details	3,000 sqft · built 1960
Lot Size	0.143 acres (6,250 sqft)
Owner	Trust Name on File
Flood Zone	Zone X (moderate risk)
APN	`156H C 003`

Property Details

APN / Parcel Number

Primary APN	`156H C 003`
Alternative APN	`0000092207`

Interior

Stories	1 Story
Building Area	3,000 sqft Total Area

Exterior

Year Built	Built 1960
Exterior Material	Wood Siding
Roof Type	Wood Truss
Roof Material	Shingle
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	0000092207
Street Address	1303 COMMERCE ST
City	CHATTANOOGA
State	TN
Zip	37404-5628
Property Category	Other
Property Type	Other > Religious, Church, Worship (Synagogue, Temple, Parsonage)
Local Zoning Code	R2
Legal Description	PT LT 126 PARK CITY D P MONTAGUES PB 6 PG 14
Legal Subdivision	PARK CITY D P MONTAG
Legal Lot Number	126
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1018
Census Tract	2300

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

1303 Commerce St is owner-occupied and held in a trust since January 1925.

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

Owner of Record	Trust Name on File
Mailing Address	1303 COMMERCE ST, CHATTANOOGA, TN 37404-5628
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 1925
Deed Sale	Jan 1, 1925
Deed Document Number	0000Z23216
Record Updated	Jun 8, 2026

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 Market Value
2025	Additional exemption filed	$121,400 (+61.22%) Land $3,200 Building $118,200
2024	Additional exemption filed	$75,300 (-) Land $3,200 Building $72,100
2023	Additional exemption filed	$75,300 (-) Land $3,200 Building $72,100
2022	Additional exemption filed	$75,300 Land $3,200 Building $72,100

Assessed market value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1303 Commerce St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	28 (1980–2012)
Claims Outside the SFHA	8 of 28
Most Recent Claim	Sep 2012 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2004 · 3 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 8 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

Wildfire risk around 1303 Commerce St is low, with less than a 0.01% annual chance of 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 68 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
T-Mobile Fixed Wireless	100 / 20