3260 Brainerd Rd, Chattanooga, TN 37411 Property Records

Hamilton County property record for 3260 Brainerd Rd, Chattanooga, TN 37411

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	9,864 sqft · built 1945
Lot Size	0.138 acres (6,047 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2002)
Tax Bill	$1,862 (2025)
Deeds & Mortgages	Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`146M N 015`

Property Details

APN / Parcel Number

Primary APN	`146M N 015`
Alternative APN	`0000076448`

Interior

Stories	2 Stories
Building Area	9,864 sqft Total Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1976
Exterior Material	Brick Veneer
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	6,047 sqft (0.138 acres)
Lot Dimensions	113 ft deep x 50 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	0000076448
Street Address	3260 BRAINERD RD
City	CHATTANOOGA
State	TN
Zip	37411-3500
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C2
Legal Description	LT 22 J E CROUCH TUNNEL PLACE ADDN PB8 PG40
Legal Subdivision	CROUCHES J E TUNNEL
Legal Lot Number	22
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	3
Census Block	3034
Census Tract	2800

Owner

Source: Hamilton County records, as of July 21, 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	6579 HICKORY BROOK RD, CHATTANOOGA, TN 37421-6746
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2002 · Amount on Record
Deed Sale	Oct 18, 2002 · Amount on Record
Deed Document Number	2002328
Deed Book / Page	6408 / 849
Last Transfer Date	Feb 27, 2008
Transfer Doc	0000000384
Record Updated	Sep 20, 2026

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	3260 BRAINERD RD, CHATTANOOGA, TN 37411-3500
Document Number	1119000098
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3260 BRAINERD RD CHATTANOOGA TN 374113500, CHATTANOOGA, TN 37411-3500

Mortgage

Document Number	1119000098
Date	Nov 19, 2020
Book Page	012239/000555
Instrument	201119000098

Lender

Name	SMARTBANK
Type	Bank
Address	CHATTANOOGA, TN 37412

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 18, 2030

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	$1,862.00 (+4.96%)	$122,880 (+54.92%)	$307,200 (+54.92%) Land $58,500 Building $248,700
2024	$1,774.00	$79,320 (-)	$198,300 (-) Land $50,900 Building $147,400
2023	$1,774.00	$79,320 (-)	$198,300 (-) Land $50,900 Building $147,400
2022	$1,774.00	$79,320	$198,300 Land $50,900 Building $147,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 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