1306 S Willow St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 1306 S Willow St, Chattanooga, TN 37404

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1.5 ba · 3,795 sqft · built 1915
Lot Size	0.211 acres (9,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (May 2026)
Tax Bill	$2,036 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`156B F 001`

Property Details

APN / Parcel Number

Primary APN	`156B F 001`
Alternative APN	`0000089924`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,795 sqft Total Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Roof Type	Wood Truss
Roof Material	Rolled Roofing
Lot Area	9,200 sqft (0.211 acres)
Lot Dimensions	100 ft deep x 92 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000089924
Street Address	1306 S WILLOW ST
City	CHATTANOOGA
State	TN
Zip	37404-4447
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	R2
Legal Description	PT LTS 1&2 BLK 2 EDEN PARK ADDN PB3 PG4
Legal Subdivision	EDEN PARK ADDN
Legal Block	2
Legal Lot Number	1,2
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1033
Census Tract	1300

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 June 3, 2026

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	1702 KIRBY AVE, CHATTANOOGA, TN 37404-3523
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Jul 12, 2019	Warranty Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	2026184
Deed Book / Page	14308 / 687
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 22, 2026
Property Address	1306 S WILLOW ST, CHATTANOOGA, TN 37404-4447
Document Number	0000000184
Book / Page	14308 / 687
Instrument Date	May 18, 2026
Instrument	2026184
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	BRICK CITY TITLE, BRIDGE CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168,165.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1702 KIRBY AVE, CHATTANOOGA, TN 37404-3523
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000185,
Date	May 22, 2026
Instrument	202622185

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 12, 2019
Property Address	1306 S WILLOW ST, CHATTANOOGA, TN 37404-4447
Document Number	0712000182
Book / Page	011696 / 000722
Instrument Date	Jul 12, 2019
Instrument	190712000182
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transaction

Amount	Amount Recorded
Tax	$925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4409 HARRISON ST NW WASHINGTON DC 200152107, WASHINGTON, DC 20015-2107

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,036.00 (+36.01%)	$134,375 (+100.78%)	$450,500 (+102.02%) Land $161,900 Building $288,600
2024	$1,497.00	$66,925 (-)	$223,000 (-) Land $25,000 Building $198,000
2023	$1,497.00	$66,925 (-)	$223,000 (-) Land $25,000 Building $198,000
2022	$1,497.00	$66,925	$223,000 Land $25,000 Building $198,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1989)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1989 · river or lake flooding

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 413 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

May also be available: T-Mobile, Verizon.

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