45 E Main St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 45 E Main St, Chattanooga, TN 37408 · Last verified January 2026

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	12,740 sqft · built 1900
Lot Size	0.147 acres (6,435 sqft)
Owner	Company Name on File
Last Sale	$3,400,000 (Oct 2022)
Tax Bill	$8,553 (2025)
Deeds & Mortgages	Oct 2022 Sale & Line of Credit Mar 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145LA C 006`

Property Details

APN / Parcel Number

Primary APN	`145LA C 006`
Alternative APN	`0000070956`

Interior

Stories	2 Stories
Building Area	12,740 sqft Total Area

Exterior

Year Built	Built 1900
Exterior Material	Brick
Lot Area	6,435 sqft (0.147 acres)
Lot Dimensions	130 ft deep x 49.5 ft wide

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	0000070956
Old Parcel Number	145LAC 006
Street Address	45 E MAIN ST
City	CHATTANOOGA
State	TN
Zip	37408-1242
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	LTS 13 14 BLK 8 J C STANTONS SUB PB H2 PG156
Legal Subdivision	STANTON J C
Legal Block	8
Legal Lot Number	13,14 14
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3021
Census Tract	12400

Owner

Source: Hamilton County records · APN 145LA C 006

Assessment roll updated May 20, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	412 BRADY POINT RD, SIGNAL MOUNTAIN, TN 37377-2206
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 04, 2022	Warranty Deed, Transfer · Line of Credit ROCKPOINT BANK NA
Mar 04, 2019	Trustee's Deed, Transfer · Line of Credit SMARTBANK
Feb 16, 2018	Loan Modification, Mortgage · Line of Credit SMARTBANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 04, 2022 · Amount on Record
Deed Sale	Oct 04, 2022 · Amount on Record
Prior Sale	Mar 04, 2019 · Amount on Record
Deed Document Number	2022100400222
Deed Book / Page	13108 / 105
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 04, 2022
Property Address	45 E MAIN ST, CHATTANOOGA, TN 37408-1242
Document Number	0000000222
Book / Page	13108 / 105
Map Reference	MB H VOL 2 PG 156
Instrument Date	Sep 30, 2022
Instrument	2022100400222
Transaction Type	Transfer
Record Updated	Jan 01, 2026
Title Company	TITLE GUARANTY, TITLE GUARANTY AND TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$12,580.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 BRADY POINT RD, SIGNAL MOUNTAIN, TN 37377-2206

Mortgage

Document Number	0131080109
Date	Oct 04, 2022
Instrument	13108-0109

Lender

Name	ROCKPOINT BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	72 Months
Due	Sep 30, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 04, 2019
Property Address	45 E MAIN ST, CHATTANOOGA, TN 37408-1242
Document Number	0304000018
Book / Page	011577 / 000478
Instrument Date	Feb 27, 2019
Instrument	190304000018
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	TEAM TITLE SERVICES, TEAM TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,140.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	505 RIVERFRONT PKWY CHATTANOOGA TN 374021609, CHATTANOOGA, TN 37402-1609

Mortgage

Document Number	304000019
Date	Mar 04, 2019
Book Page	011577/000481
Instrument	190304000019

Lender

Name	SMARTBANK
Type	Bank
Address	835 GEORGIA AVE, CHATTANOOGA, TN 37402-2214

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 03, 2029

Interest

Rate Type	Adjustable Rate

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Recording Date	Feb 16, 2018
Property Address	45 E MAIN ST, CHATTANOOGA, TN 37408-1242
Book / Page	011272 / 000493
Instrument Date	Aug 20, 2017
Instrument	83
Transaction Type	Mortgage
Record Updated	Feb 28, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	393 SHALLOWFORD RD CHATTANOOGA TN 374111337, CHATTANOOGA, TN 37411-1337

Mortgage

Document Number	0000000083
Date	Feb 16, 2018
Book Page	011272/000493
Instrument	83

Lender

Name	SMARTBANK
Type	Bank
Address	6413 LEE HWY # 107, CHATTANOOGA, TN 37421-4860

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Feb 15, 2025

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,553.00 (-10.56%)	$564,320 (+32.02%)	$1,410,800 (+32.02%) Land $386,100 Building $1,024,700
2023	$9,563.00	$427,440 (-)	$1,068,600 (-) Land $321,800 Building $746,800
2022	$9,563.00	$427,440	$1,068,600 Land $321,800 Building $746,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470650124003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	6 (1978–1980)
Most Recent Claim	Mar 1980, tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 109 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Electric Power Board of Chattanooga, Tennessee	Fiber	100,000 / 100,000
Xfinity	Cable	2,000 / 250

May also be available at this address: AT&T, Verizon, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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