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3734 Saint Elmo Ave, Chattanooga, TN 37409 Property Records

Hamilton County property record for 3734 Saint Elmo Ave, Chattanooga, TN 37409

Property Summary

Property TypeBank, Financial Building
Details3,000 sqft · built 1948
Lot Size1.19 acres (51,836 sqft)
OwnerCompany Name on Record
Tax Bill$5,320 (2025)
Deeds & MortgagesDec 2017 Sale
Dec 2017 Transfer
Flood ZoneZone X (minimal risk)
APN155J D 002

Property Details

APN / Parcel Number

Primary APN155J D 002
Alternative APN
  • 0000088487

Interior

Stories1 Story
Building Area3,000 sqft Total Area

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1987
Exterior MaterialBrick Veneer
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeRigid Frame Bar Joist
Roof MaterialBuilt-Up Asphalt
Lot Area51,836 sqft (1.19 acres)
Lot Dimensions298 ft deep x 236 ft wide

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account Number0000088487
Street Address3734 SAINT ELMO AVE
CityCHATTANOOGA
StateTN
Zip37409-1235
Property CategoryCommercial
Property TypeCommercial > Office > Bank, Financial Building
Local Zoning CodeC2
Legal DescriptionLT 2 TENNESSEE AVE GOLDEN GALLON PB 129 PG 149
Legal Range04
Legal Township03
Legal Section08
Legal SubdivisionKIRKLEN PLAN
Legal Lot Number2
JurisdictionHAMILTON TN
Township / Civil Division6
Census Block Group3
Census Block3000
Census Tract1900

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

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 RecordCompany Name on Record
Mailing Address3800 SAINT ELMO AVE STE 306, 306, CHATTANOOGA, TN 37409-1273
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 4, 2017Grant Deed, Transfer
FIDELITY NATIONAL TITLE
Dec 4, 2017Quit Claim Deed, Transfer
FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 15, 2024
Deed SaleFeb 15, 2024
Prior SaleJan 7, 2015
Deed Document Number0013525228
Deed Book / Page11218 / 161
Prior Transfer DateDec 4, 2017
Prior Transfer Doc2017120400121
Record UpdatedJun 8, 2026

December 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHAMILTON TN
Recording DateDec 4, 2017
Property Address3734 SAINT ELMO AVE, CHATTANOOGA, TN 37409-1235
Document Number0000000121
Book / Page011218 / 000161
Instrument DateOct 5, 2017
Instrument121
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
Tax$2,978.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address345 FRAZIER AVE #206 CHATTANOOGA TN 374054284, 206, CHATTANOOGA, TN 37405-4284

December 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateDec 4, 2017
Property Address3734 SAINT ELMO AVE, CHATTANOOGA, TN 37409-1235
Document Number0000000122
Book / Page011218 / 000167
Instrument DateOct 5, 2017
Instrument122
Transaction TypeTransfer
Record UpdatedJan 16, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address345 FRAZIER AVE #206 CHATTANOOGA TN 374054284, 206, CHATTANOOGA, TN 37405-4284

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

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$5,320.00 (-12.28%)$351,040 (+29.48%)$877,600 (+29.48%) Land $777,500 Building $100,100
2024$6,065.00$271,120 (-)$677,800 (-) Land $505,300 Building $172,500
2023$6,065.00$271,120 (-)$677,800 (-) Land $505,300 Building $172,500
2022$6,065.00$271,120$677,800 Land $505,300 Building $172,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies9 in force
Nearby Flood Claims3 (2003–2004)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2004 · Severe Storms And Flooding

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 RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.01% annual chance
ExposureNone
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 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 68 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
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Verizon.

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