Hamilton County property record for 3221 Brainerd Rd, Chattanooga, TN 37411
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 8,178 sqft · built 1938 |
| Lot Size | 0.255 acres (11,149 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $645,000 (Sep 2022) |
| Tax Bill | $4,282 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Line of Credit Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 146M M 027 |
| Primary APN | 146M M 027 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 8,178 sqft Total Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Brick |
| Roof Type | Wood Truss |
| Roof Material | Built-Up Asphalt |
| Lot Area | 11,149 sqft (0.255 acres) |
| Lot Dimensions | 181 ft deep x 61.6 ft wide |
| Parking Spaces | 1 Parking Space |
| Utility Building | 8,178 sqft |
| Sewer | Connected |
|---|
| Account Number | 0000076424 |
|---|---|
| Street Address | 3221 BRAINERD RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37411-3502 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | UGC |
| Legal Description | LT 2 WHITLEY AND WORSHAN PB 10 PG 11 REV PB 57 PG 280 REV PB 99 PG 187 FOR 2014 |
| Legal Range | 04 |
| Legal Township | 25 |
| Legal Section | 25 |
| Legal Subdivision | LON D WORSHAM FINAL |
| Legal Lot Number | 2 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 2900 |
Source: Hamilton County records, as of December 31, 2025
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 | 3223 BRAINERD RD, CHATTANOOGA, TN 37411-3502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2022 | Limited Warranty Deed, Transfer · Line of Credit PINNCACLE BANK |
| Dec 26, 2018 | Warranty Deed, Transfer · Conventional with PMI PINNACLE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2022 · Amount on Record |
| Deed Sale | Sep 26, 2022 · Amount on Record |
| Prior Sale | Dec 26, 2018 · Amount on Record |
| Deed Document Number | 2022092600189 |
| Deed Book / Page | 13099 / 56 |
| Record Updated | Jun 8, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 26, 2022 |
| Property Address | 3221 BRAINERD RD, CHATTANOOGA, TN 37411-3502 |
| Document Number | 0000000189 |
| Book / Page | 13099 / 56 |
| Map Reference | MB 10380 PG 363 |
| Instrument Date | Sep 23, 2022 |
| Instrument | 2022092600189 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,386.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3223 BRAIMUD ROAD, CHATTANOOGA, TN 37411 |
| Document Number | 0130990059 |
|---|---|
| Date | Sep 26, 2022 |
| Instrument | 13099-0059 |
| Name | PINNCACLE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 26, 2018 |
| Property Address | 3221 BRAINERD RD, CHATTANOOGA, TN 37411-3502 |
| Document Number | 1226000073 |
| Book / Page | 011529 / 000202 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 181226000073 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $943.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3221 BRAINERD RD CHATTANOOGA TN 37411, CHATTANOOGA, TN 37411 |
| Document Number | 1226000074 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 011529/000205 |
| Instrument | 181226000074 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,282.00 (+75.85%) | $282,560 (+159.61%) | $706,400 (+159.61%) Land $130,100 Building $576,300 |
| 2024 | $2,435.00 | $108,840 (-) | $272,100 (-) Land $130,100 Building $142,000 |
| 2023 | $2,435.00 | $108,840 (-) | $272,100 (-) Land $130,100 Building $142,000 |
| 2022 | $2,435.00 | $108,840 | $272,100 Land $130,100 Building $142,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.5% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 345 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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