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165 Cherry St, Chattanooga, TN 37403 Property Records

Hamilton County property record for 165 Cherry St, Chattanooga, TN 37403

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details1,200 sqft · built 2009
Lot Size1.5 acres (65,688 sqft)
Owner2 Trust Names on File
Last Sale$535,000 (Oct 2025)
Tax Bill$2,272 (2025)
Deeds & MortgagesOct 2025 Sale
Apr 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN135L C 010 C023

Property Details

APN / Parcel Number

Primary APN135L C 010 C023
Alternative APN
  • 0000163786

Interior

Stories1 Story
Building Area1,200 sqft Total Area

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialBrick Veneer
Fire ResistanceMasonry Walls, Wood Interior
Lot Area65,688 sqft (1.5 acres)

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account Number0000163786
Street Address165 CHERRY ST
CityCHATTANOOGA
StateTN
Zip37403
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning CodeC3
Legal DescriptionUNIT 23 MUSEUM BLUFFS CONDOS LLC OUT OF 135L-C-010 FOR 2009 CHERRY & SECOND
Legal Unit23
JurisdictionHAMILTON TN
Township / Civil Division6
Census Block Group2
Census Block2007
Census Tract3100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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

165 Cherry St, a commercial property, is held in a trust since October 2025.

Source: Hamilton County records, as of June 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Trust Names on File
Mailing Address34 CALIZA LN, INLET BEACH, FL 32461-8231
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Oct 13, 2025Warranty Deed, Transfer
TITLE GUARANTY, TITLE GUARANTY & TRUST CO
Apr 19, 2018Loan Modification, Mortgage
PINNACLE BK/SIOUX CTY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 13, 2025 · Amount on File
Deed SaleOct 13, 2025 · Amount on File
Prior SaleFeb 17, 2015 · Amount on File
Deed Document Number2025134
Deed Book / Page14073 / 514
Record UpdatedSep 20, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateOct 13, 2025
Property Address165 CHERRY ST, CHATTANOOGA, TN 37403
Document Number0000000134
Book / Page14073 / 514
Map ReferenceMB 9972 PG 359
Instrument DateOct 7, 2025
Instrument2025101300134
Transaction TypeTransfer
Record UpdatedOct 22, 2025
Title CompanyTITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

AmountAmount on Record
Tax$1,979.50
Amount AccuracyRedemption Amount
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address34 CALIZA LN, ALYS BEACH, FL 32461-8231

April 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHAMILTON TN
Property Address165 CHERRY ST, CHATTANOOGA, TN 37403
Document Number0000000035
Instrument DateApr 19, 2018
Transaction TypeMortgage
Record UpdatedMay 22, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address165 CHERRY ST #23 CHATTANOOGA TN 37403, 23, CHATTANOOGA, TN 37403

Mortgage

Document Number0000000035
DateMay 11, 2018
Book Page011343/000842
Instrument35
Lender
NamePINNACLE BK/SIOUX CTY
TypeBank
AddressCHATTANOOGA, TN 37402
Agreement
AmountAmount on Record
Term240 Months
DueMay 10, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 165 Cherry St was $2,272, up 24.9% from the year before.

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

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,272.00 (+24.9%)$149,920 (+84.36%)$374,800 (+84.36%) Land $150,000 Building $224,800
2024$1,819.00$81,320 (-)$203,300 (-) Land $82,400 Building $120,900
2023$1,819.00$81,320 (-)$203,300 (-) Land $82,400 Building $120,900
2022$1,819.00$81,320$203,300 Land $82,400 Building $120,900

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 165 Cherry St in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

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 165 Cherry 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 RiskNot 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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 65 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
DSL · Fixed Wireless in parts of the area		100 / 20

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