2020 E 23rd St, Chattanooga, TN 37404 Property Records

Hamilton County property record for 2020 E 23rd St, Chattanooga, TN 37404

Property Summary

Property Type	Parking Garage, Parking Structure
Lot Size	0.765 acres (33,364 sqft)
Owner	Individual Name on Record
Tax Bill	$3,285 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Dec 2019 Construction Loan
Flood Zone	Zone AE (high risk)
APN	`156G J 006`

Property Details

APN / Parcel Number

Primary APN	`156G J 006`

Exterior

Lot Area	33,364 sqft (0.765 acres)
Lot Dimensions	136 ft deep x 250 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	2020 E 23RD ST
City	CHATTANOOGA
State	TN
Zip	37404
Property Category	Commercial
Property Type	Commercial > Retail > Parking Garage, Parking Structure
Local Zoning Code	M1
Legal Description	SW 1/4 SEC 35 TWP 25 R-4
Legal Range	04W
Legal Township	25S
Legal Section	35
Legal Subdivision	MAXWELL SUBDIVISION
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	2
Census Block	2036
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

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	Individual Name on Record
Mailing Address	2018 HICKORY VALLEY RD, CHATTANOOGA, TN 37421-2531
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Warranty Deed, Transfer · Commercial Mortgage PINNCACLE BANK
Dec 18, 2019	Trustee's Deed, Construction Loan · Construction Mortgage ELM ST CAP LP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 7, 2023
Property Address	2020 E 23RD ST, CHATTANOOGA, TN 37404
Document Number	0000000184
Book / Page	13339 / 586
Instrument Date	Jul 6, 2023
Instrument	2023070700184
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,035.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 HICKORY VALLEY RD, WATERFLOW, NM 87421

Mortgage

Document Number	0000000185
Date	Jul 7, 2023
Instrument	2023070700185

Lender

Name	PINNCACLE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 18, 2019
Property Address	2020 E 23RD ST, CHATTANOOGA, TN 37404
Document Number	1218000001
Book / Page	011852 / 000658
Instrument Date	Dec 17, 2019
Instrument	191218000001
Transaction Type	Construction Loan
Record Updated	Jan 13, 2020
Title Company	RELI SETTLEMENT SOLUTIONS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	1218000001
Date	Dec 18, 2019
Book Page	011852/000658
Instrument	191218000001

Lender

Name	ELM ST CAP LP
Address	8052 STANDIFER GAP RD # B, CHATTANOOGA, TN 37421-1262

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 17, 2020

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	$3,285.00 (+267.86%)	$216,760 (+442.99%)	$541,900 (+442.99%) Land $537,100 Building $4,800
2024	$893.00	$39,920 (-)	$99,800 (-) Land $92,100 Building $7,700
2023	$893.00	$39,920 (-)	$99,800 (-) Land $92,100 Building $7,700
2022	$893.00	$39,920	$99,800 Land $92,100 Building $7,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	17 (1982–2010)
Claims Outside the SFHA	4 of 17
Most Recent Claim	Nov 2010 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2004 · 2 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 12 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	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 197 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: AT&T, T-Mobile, Verizon.

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