48 E Main St, Chattanooga, TN 37408 Property Records

Hamilton County property record for 48 E Main St, Chattanooga, TN 37408

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,022 sqft · built 1900
Lot Size	0.131 acres (5,719 sqft)
Owner	Company Name on Record
Last Sale	$2,150,000 (Aug 2026)
Tax Bill	$6,214 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145LA B 014`

Property Details

APN / Parcel Number

Primary APN	`145LA B 014`
Alternative APN	`0000070950`

Interior

Stories	1 Story
Building Area	7,022 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	5,719 sqft (0.131 acres)
Lot Dimensions	130 ft deep x 44 ft wide
Total Buildings	2 Buildings

Location & Zoning

Account Number	0000070950
Old Parcel Number	145LAB 014
Street Address	48 E MAIN ST
City	CHATTANOOGA
State	TN
Zip	37408-1209
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	M1
Legal Description	LTS 5&6 FORT NEGLEY ADDN PB1 PG26
Legal Subdivision	FORT NEGLEY ADDN
Legal Lot Number	5,6
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1015
Census Tract	2000

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

Source: Hamilton County records, as of August 25, 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 Record
Mailing Address	48 E MAIN ST, CHATTANOOGA, TN 37408-1209
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2026 · Amount on Record
Deed Sale	Aug 17, 2026 · Amount on Record
Prior Sale	Feb 17, 1998 · Amount on Record
Deed Document Number	20260817205
Deed Book / Page	14406 / 958
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 17, 2026
Property Address	48 E MAIN ST, CHATTANOOGA, TN 37408-1209
Document Number	0000000205
Book / Page	14406 / 958
Instrument Date	Aug 14, 2026
Instrument	2026205
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$803,455.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	48 E MAIN ST, CHATTANOOGA, TN 37408-1209

Mortgage

Document Number	0000000206,
Date	Aug 17, 2026
Instrument	202617206

Lender

Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2036

Interest

Max Rate	-1%

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	$6,214.00 (+1.57%)	$410,000 (+49.92%)	$1,025,000 (+49.92%) Land $514,800 Building $510,200
2023	$6,118.00	$273,480 (-)	$683,700 (-) Land $228,800 Building $454,900
2022	$6,118.00	$273,480	$683,700 Land $228,800 Building $454,900

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

Flood

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 Policies	3 in force
Nearby Flood Claims	7 (1978–2000)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Apr 2000 · 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

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

Wildfire Risk	Not rated no burnable land within 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: AT&T, Verizon.

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