1491 N Mack Smith Rd, Chattanooga, TN 37412 Property Records

Hamilton County property record for 1491 N Mack Smith Rd, Chattanooga, TN 37412

Property Summary

Property Type	Neighborhood Shopping Center, Strip Center
Details	9,896 sqft · built 1960
Lot Size	0.966 acres (42,059 sqft)
Owner	Company Name on Record
Last Sale	$113,700 (Mar 2023)
Tax Bill	$7,416 (2025)
Deeds & Mortgages	Mar 2026 Construction Loan Mar 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169L K 021`

Property Details

APN / Parcel Number

Primary APN	`169L K 021`
Alternative APN	`0000115633`

Interior

Stories	1 Story
Building Area	9,896 sqft Total Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1978
Exterior Material	Brick Veneer
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	42,059 sqft (0.966 acres)
Lot Dimensions	219 ft deep x 243 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	0000115633
Street Address	1491 N MACK SMITH RD
City	CHATTANOOGA
State	TN
Zip	37412-3947
Property Category	Commercial
Property Type	Commercial > Retail > Neighborhood Shopping Center, Strip Center
Local Zoning Code	C2
Legal Description	LT 6 RESUB OF LT 2 THE SOUTHERN INN SUB PB 43 PG 24 REV 57-365
Legal Subdivision	SOUTH BOARD SUB
Legal Lot Number	6
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	3
Census Block	3002
Census Tract	11600

Owner

Source: Hamilton County records, as of July 13, 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 Record
Mailing Address	6131 SHALLOWFORD RD, 101, CHATTANOOGA, TN 37421-7807
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Quit Claim Deed, Transfer · Construction Mortgage STUDIO BANK
Mar 14, 2023	Warranty Deed, Transfer
Feb 21, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage TOWER COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Deed Document Number	202390
Deed Book / Page	13235 / 646
Last Transfer Date	Mar 19, 2026
Transfer Doc	0000000125
Record Updated	Sep 20, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 19, 2026
Property Address	1491 N MACK SMITH RD, CHATTANOOGA, TN 37412-3947
Document Number	0000000125
Book / Page	14232 / 646
Instrument Date	Mar 19, 2026
Instrument	2026031900125
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

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	6131 SHALLOWFORD RD STE 101, 101, CHATTANOOGA, TN 37421-7807

Mortgage

Document Number	0014232652
Date	Mar 19, 2026
Instrument	14232/652

Lender

Name	STUDIO BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 14, 2023
Property Address	1491 N MACK SMITH RD, CHATTANOOGA, TN 37412-3947
Document Number	0000000090
Book / Page	13235 / 646
Map Reference	MB 13217 PG 83
Instrument Date	Mar 14, 2023
Instrument	2023031400090
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 TOMBRAS AVE, CHATTANOOGA, TN 37412-2719

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 21, 2023
Property Address	1491 N MACK SMITH RD, CHATTANOOGA, TN 37412-3947
Document Number	0000000175
Book / Page	13217 / 83
Map Reference	MB 57 PG 365
Instrument Date	Feb 15, 2023
Instrument	2023022100175
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7443 COMMONS BLVD # 102, 102, CHATTANOOGA, TN 37421-2895

Mortgage

Document Number	0132170089
Date	Feb 21, 2023
Instrument	13217-0089

Lender

Name	TOWER COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 15, 2024

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	East Ridge City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,416.00 (-5.26%)	$489,280 (+39.83%)	$1,223,200 (+39.83%) Land $854,600 Building $368,600
2024	$7,828.00 (-36.25%)	$349,920 (-)	$874,800 (-) Land $633,400 Building $241,400
2023	$12,280.00 (-2.66%) Additional exemption filed	$349,920 (-2.62%)	$874,800 (-2.62%) Land $633,400 Building $241,400
2022	$12,616.00 Additional exemption filed	$359,320	$898,300 Land $656,900 Building $241,400

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 policies
Nearby Flood Policies	33 in force
Nearby Flood Claims	120 (1980–2025)
Claims Outside the SFHA	15 of 120
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 27 claims Extensive Rainfall And Flash Flooding, Apr 1994 · 11 claims Severe Storms & Flooding, Feb 1990 · 20 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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Ringgold Telephone Company.

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