3554 Broad St, Chattanooga, TN 37409 Property Records

Hamilton County property record for 3554 Broad St, Chattanooga, TN 37409

Property Summary

Property Type	Dry Cleaner
Details	2,109 sqft · built 1967
Lot Size	0.711 acres (30,975 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2020)
Tax Bill	$4,669 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`155J F 002`

Property Details

APN / Parcel Number

Primary APN	`155J F 002`
Alternative APN	`0000088525`

Interior

Stories	1 Story
Building Area	2,109 sqft Total Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1990
Exterior Material	Brick Veneer
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	30,975 sqft (0.711 acres)
Lot Dimensions	252 ft deep x 202 ft wide
Utility Building	2,109 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	0000088525
Street Address	3554 BROAD ST
City	CHATTANOOGA
State	TN
Zip	37409-1027
Property Category	Commercial
Property Type	Commercial > Retail > Dry Cleaner
Local Zoning Code	UGC
Legal Description	SE 1/4 SEC 5 TWP 3 R-4 0146 05 05
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	2
Census Block	2025
Census Tract	1900

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

3554 Broad St, a commercial property, is owned by two individuals who bought it in September 2020.

Source: Hamilton County records, as of January 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	104 KELL RD, SIGNAL MOUNTAIN, TN 37377-1065
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · Commercial Mortgage ROCKPOINT BANK NA
Sep 11, 2020	Grant Deed, Transfer WHITMIRE RALPH LIVING TR (LT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2020 · Amount on File
Deed Sale	Sep 11, 2020 · Amount on File
Prior Sale	Dec 16, 1997 · Amount on File
Deed Document Number	202020
Deed Book / Page	12147 / 827
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	0911000020
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	3554 BROAD ST, CHATTANOOGA, TN 37409-1027
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 KELL RD, SIGNAL MOUNTAIN, TN 37377-1065
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000274
Date	Jun 20, 2023
Book Page	13323/181
Instrument	2023062000274

Lender

Name	ROCKPOINT BANK NA
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 15, 2028

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 11, 2020
Property Address	3554 BROAD ST, CHATTANOOGA, TN 37409-1027
Document Number	0911000020
Book / Page	012147 / 000827
Instrument Date	Sep 10, 2020
Instrument	200911000020
Transaction Type	Transfer
Record Updated	Sep 28, 2020
Title Company	ABSTRACT TITLE AND ESCROW, ABSTRACT TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	104 KELL RD SIGNAL MOUNTAIN TN 373771065, SIGNAL MOUNTAIN, TN 37377-1065

Mortgage

Document Number	911000021
Date	Sep 11, 2020
Book Page	012147/000830
Instrument	200911000021

Lender

Name	WHITMIRE RALPH LIVING TR (LT)
Address	286 WHITMIRE RD, SIGNAL MOUNTAIN, TN 37377-1138

Agreement

Amount	Amount on Record
Term	264 Months
Due	Sep 10, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 3554 Broad St was $4,669, up 32.9% from the year before.

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	$4,669.00 (+32.87%)	$308,080 (+96.13%)	$770,200 (+96.13%) Land $708,900 Building $61,300
2024	$3,514.00	$157,080 (-)	$392,700 (-) Land $365,500 Building $27,200
2023	$3,514.00	$157,080 (-)	$392,700 (-) Land $365,500 Building $27,200
2022	$3,514.00	$157,080	$392,700 Land $365,500 Building $27,200

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

FEMA maps place 3554 Broad St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2015 · rainfall accumulation

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

Wildfire risk around 3554 Broad St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	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 68 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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