504 E Main St, Unit 106, Chattanooga, TN 37408 Property Records

Hamilton County property record for 504 E Main St, Unit 106, Chattanooga, TN 37408

Property Summary

Property Type	Townhouse
Details	2 ba · 880 sqft · built 2017
Lot Size	0.008 acres (352 sqft)
Owner	Individual Name on File
Last Sale	$299,000 (Jul 2025)
Tax Bill	$1,156 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145L J 001 C002`

Property Details

APN / Parcel Number

Primary APN	`145L J 001 C002`
Alternative APN	`0000384630`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	880 sqft Living Area

Exterior

Year Built	Built 2017
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	352 sqft (0.008 acres)
Lot Dimensions	22 ft deep x 16 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000384630
Street Address	504 E MAIN ST UNIT 106, 106
City	CHATTANOOGA
State	TN
Zip	37408-1452
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	C3
Legal Description	UNIT 2 EAST BY MAIN TOWNHOMES
Legal Unit	2
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1010
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

504 E Main St, Unit 106 is owned and occupied by an individual who bought it in July 2025.

Source: Hamilton County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	504 E MAIN ST UNIT 106, 106, CHATTANOOGA, TN 37408-1452
Occupancy	Owner Occupied
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
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP
Jul 24, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRSTTRUST HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2025 · Amount on File
Deed Sale	Jul 24, 2025 · Amount on File
Prior Sale	May 24, 2017 · Amount on File
Deed Document Number	0013992338
Deed Book / Page	13992 / 338
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	504 E MAIN ST UNIT 106, 106, CHATTANOOGA, TN 37408-1452
Transaction Type	Mortgage
Record Updated	Jan 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000044
Date	Nov 5, 2021
Book Page	12721/932
Instrument	2021110500044

Lender

Name	SOFI LENDING CORP
Type	Lending Institution
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Oct 1, 2041

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 24, 2025
Property Address	504 E MAIN ST UNIT 106, 106, CHATTANOOGA, TN 37408-1452
Document Number	0000000165
Book / Page	13992 / 338
Map Reference	MB 10994 PG 552
Instrument Date	Jul 24, 2025
Instrument	2025072400165
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANNTY C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,106.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 E MAIN ST UNIT 106, 106, CHATTANOOGA, TN 37408-1452

Mortgage

Document Number	0013992341
Date	Jul 24, 2025
Instrument	13992/341

Lender

Name	FIRSTTRUST HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 504 E Main St, Unit 106 was $1,156, down 1% from the year before.

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

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	$1,156.00 (-10.04%)	$76,275 (+32.77%)	$305,100 (+32.77%) Land $150,000 Building $155,100
2024	$1,285.00	$57,450 (-)	$229,800 (-) Land $35,000 Building $194,800
2023	$1,285.00	$57,450 (-)	$229,800 (-) Land $35,000 Building $194,800
2022	$1,285.00	$57,450	$229,800 Land $35,000 Building $194,800

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 504 E Main St, Unit 106 in Zone X, an area of minimal flood risk, though there have been 7 flood claims 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 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

The area around 504 E Main St, Unit 106 has no burnable land within ember reach, so its wildfire risk is not rated.

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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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