1308 E Main St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 1308 E Main St, Chattanooga, TN 37404

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	12,143 sqft · built 1964
Lot Size	0.665 acres (29,002 sqft)
Owner	Company Name on File
Last Sale	$1,120,674 (Jan 2024)
Tax Bill	$6,982 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`146P L 002`

Property Details

APN / Parcel Number

Primary APN	`146P L 002`
Alternative APN	`0000077824`

Interior

Stories	1 Story
Building Area	12,143 sqft Total Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Stone
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	29,002 sqft (0.665 acres)
Lot Dimensions	145 ft deep x 200 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	0000077824
Street Address	1308 E MAIN ST
City	CHATTANOOGA
State	TN
Zip	37404-4933
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C2
Legal Description	LTS 3-6 STONE & EVANS PB 6 PG 13
Legal Subdivision	STONE & EVANS
Legal Lot Number	3-6
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	3
Census Block	3009
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

1308 E Main St, a commercial property, is owned by a company that bought it in January 2024.

Source: Hamilton County records, as of March 25, 2026

Owner of Record	Company Name on File
Mailing Address	6111 SHERWOOD DR, CHATTANOOGA, TN 37412-3907
Owner Type	Company
Vesting	Company

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

Date	Document
Jan 10, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage CARMEN LAHAM
Nov 3, 2022	Quit Claim Deed, Transfer JONES RAULSTON TITLE INSURANCE AGENCY, JONES TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2024 · Amount on File
Deed Sale	Jan 10, 2024 · Amount on File
Prior Sale	May 16, 2005 · Amount on File
Deed Document Number	202450
Deed Book / Page	13488 / 288
Prior Transfer Date	Nov 3, 2022
Prior Transfer Doc	0000000118
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 10, 2024
Property Address	1308 E MAIN ST, CHATTANOOGA, TN 37404-4933
Document Number	0000000050
Book / Page	13488 / 288
Map Reference	MB 6 PG 13
Instrument Date	Jan 9, 2024
Instrument	2024011000050
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, JONES TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,146.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6111 SHERWOOD DR, CHATTANOOGA, TN 37412-3907

Mortgage

Document Number	0000000051
Date	Jan 10, 2024
Instrument	2024011000051

Lender

Name	CARMEN LAHAM
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 3, 2022
Property Address	1308 E MAIN ST, CHATTANOOGA, TN 37404-4933
Document Number	0000000118
Book / Page	13134 / 490
Map Reference	MB 6 PG 13
Instrument Date	Nov 3, 2022
Instrument	2022110300118
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	JONES RAULSTON TITLE INSURANCE AGENCY, JONES TITLE INS AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2134 MAE DELL RD, CHATTANOOGA, TN 37421-2455

Tax Assessment & Valuation

The 2025 property tax bill for 1308 E Main St was $6,982, up 62.3% from the year before.

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	$6,982.00 (+62.26%)	$460,680 (+139.49%)	$1,151,700 (+139.49%) Land $870,000 Building $281,700
2024	$4,303.00	$192,360 (-)	$480,900 (-) Land $426,300 Building $54,600
2023	$4,303.00	$192,360 (-)	$480,900 (-) Land $426,300 Building $54,600
2022	$4,303.00	$192,360	$480,900 Land $426,300 Building $54,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1308 E Main St in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1983.

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
Flood Insurance Cost	Premium on File 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

The area around 1308 E Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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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