55 E Main St, #10, Chattanooga, TN 37408 Property Records

Hamilton County property record for 55 E Main St, #10, Chattanooga, TN 37408

Property Summary

Property Type	Condominium
Details	4 ba · 3,140 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on Record
Last Sale	$1,300,000 (Jul 2022)
Tax Bill	$4,445 (2025)
Deeds & Mortgages	Jul 2022 Sale Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145LA C 002 C010`

Property Details

APN / Parcel Number

Primary APN	`145LA C 002 C010`
Alternative APN	`0000157256`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,140 sqft Living Area

Exterior

Year Built	Built 2005
Exterior Material	Other
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	43,560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000157256
Old Parcel Number	145LAC 002 C010
Street Address	55 E MAIN ST # 10, 10
City	CHATTANOOGA
State	TN
Zip	37408-1200
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT #10 LOFTS ON MAIN CONDOS
Legal Subdivision	LOFTS/MAIN CONDOS
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3021
Census Tract	12400

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 December 31, 2025

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
Co-owner	Co-owner on Record
Mailing Address	2190 LEGENDS DR, WATKINSVILLE, GA 30677-2235
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Warranty Deed, Transfer FIRST CHOICE TITLE, FIRST CHOICE TITLE INC
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FNDG
Apr 16, 2018	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Apr 16, 2018 · Amount on Record
Deed Document Number	2022071800272
Deed Book / Page	13029 / 522
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 18, 2022
Property Address	55 E MAIN ST # 10, 10, CHATTANOOGA, TN 37408-1200
Document Number	0000000272
Book / Page	13029 / 522
Map Reference	MB 9116 PG 541
Instrument Date	Jul 15, 2022
Instrument	2022071800272
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$4,810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2190 LEGENDS DR, WATKINSVILLE, GA 30677-2235

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	55 E MAIN ST # 10, 10, CHATTANOOGA, TN 37408-1200
Document Number	0622000246
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 E MAIN ST #304 CHATTANOOGA TN 374081235, 304, CHATTANOOGA, TN 37408-1235

Mortgage

Document Number	0622000246
Date	Jun 22, 2020
Book Page	012045/000171
Instrument	200622000246

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 16, 2018
Property Address	55 E MAIN ST # 10, 10, CHATTANOOGA, TN 37408-1200
Document Number	0000000319
Book / Page	11321 / 404
Map Reference	MB9116 PG541
Instrument Date	Apr 12, 2018
Instrument	2018041600319
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	FIRST CHOICE TITLE IN C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,035.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 E MAIN ST, CHATTANOOGA, TN 37408-1200

Mortgage

Document Number	0000000320
Date	Apr 16, 2018
Instrument	2018041600320

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

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	$4,445.00 (+33.24%)	$293,325 (+96.66%)	$1,173,300 (+96.66%) Land $87,500 Building $1,085,800
2023	$3,336.00	$149,150 (-)	$596,600 (-) Land $119,300 Building $477,300
2022	$3,336.00	$149,150	$596,600 Land $119,300 Building $477,300

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 Claims	6 (1978–1980)
Most Recent Claim	Mar 1980 · 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

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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