4513 Brainerd Rd, Chattanooga, TN 37411 Property Records

Hamilton County property record for 4513 Brainerd Rd, Chattanooga, TN 37411

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,430 sqft · built 1947
Lot Size	0.143 acres (6,251 sqft)
Owner	2 Individual Names on File
Last Sale	$99,000 (May 2005)
Tax Bill	$927 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`157J H 005`

Property Details

APN / Parcel Number

Primary APN	`157J H 005`
Alternative APN	`0000096967`

Interior

Stories	1 Story
Building Area	1,430 sqft Total Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1991
Exterior Material	Other
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Wood Truss
Roof Material	Shingle
Lot Area	6,251 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	0000096967
Street Address	4513 BRAINERD RD
City	CHATTANOOGA
State	TN
Zip	37411-5429
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C2
Legal Description	LT PT 41 PT 42 BLK 8 BELVOIR PARK REV PB 8 PG 49 0096 04 12
Legal Subdivision	BELVOIR PARK
Legal Block	8
Legal Lot Number	41
Jurisdiction	HAMILTON TN
Township / Civil Division	5
Census Block Group	1
Census Block	1025
Census Tract	2900

Owner

4513 Brainerd Rd, a commercial property, is owned by two individuals who bought it in May 2005.

Source: Hamilton County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7005 BARLEYFIELD DR, HARRISON, TN 37341-9562
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
Jul 17, 2018	Deed of Trust, Mortgage SMARTBANK
Dec 19, 2017	Deed of Trust, Mortgage · Line of Credit PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2005 · Amount on File
Deed Sale	May 16, 2005 · Amount on File
Prior Sale	May 15, 1998 · Amount on File
Deed Document Number	20053
Deed Book / Page	7530 / 811
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4513 BRAINERD RD, CHATTANOOGA, TN 37411-5429
Document Number	0718000106
Instrument Date	Jul 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018
Title Company	FIRST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7005 BARLEYFIELD DR HARRISON TN 373419562, HARRISON, TN 37341-9562

Mortgage

Document Number	0718000106
Date	Jul 18, 2018
Book Page	011403/000414
Instrument	180718000106

Lender

Name	SMARTBANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 17, 2028

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4513 BRAINERD RD, CHATTANOOGA, TN 37411-5429
Document Number	0000000032
Instrument Date	Dec 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4513 BRAINERD RD CHATTANOOGA TN 374115429, CHATTANOOGA, TN 37411-5429

Mortgage

Document Number	0000000032
Date	Dec 28, 2017
Book Page	011236/000617
Instrument	32

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	CHATTANOOGA, TN 37401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Dec 27, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4513 Brainerd Rd was $927, down 13.3% 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	$927.00 (-13.28%)	$61,200 (+28.03%)	$153,000 (+28.03%) Land $62,500 Building $90,500
2024	$1,069.00	$47,800 (-)	$119,500 (-) Land $41,800 Building $77,700
2023	$1,069.00	$47,800 (-)	$119,500 (-) Land $41,800 Building $77,700
2022	$1,069.00	$47,800	$119,500 Land $41,800 Building $77,700

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 4513 Brainerd Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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
Nearby Flood Claims	1 (1978)
Most Recent Claim	Apr 1978 · tidal / storm surge

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 4513 Brainerd Rd is low, with less than 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 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 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 413 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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