55 E Main St, #5, Chattanooga, TN 37408 Property Records

Hamilton County property record for 55 E Main St, #5, Chattanooga, TN 37408

Property Summary

Property Type	Condominium
Details	3 ba · 1,710 sqft · built 2005
Lot Size	0.465 acres (20,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Sep 2026)
Tax Bill	$3,132 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145LA C 002 C005`

Property Details

APN / Parcel Number

Primary APN	`145LA C 002 C005`
Alternative APN	`0000157253`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Units	20 Units
Stories	1 Story
Building Area	1,710 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Other
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	20,280 sqft (0.465 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000157253
Old Parcel Number	145LAC 002 C005
Street Address	55 E MAIN ST, 5
City	CHATTANOOGA
State	TN
Zip	37408-1200
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 5 LOFTS ON MAIN CONDOS
Legal Subdivision	LOFTS ON MAIN CONDOMINIUMS
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 September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	55 E MAIN ST, 208, CHATTANOOGA, TN 37408-1224
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Warranty Deed, Transfer · Conventional Mortgage CANOPY MORTGAGE LLC
Oct 10, 2022	Warranty Deed, Transfer · Conventional Mortgage PINNCACLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on Record
Deed Sale	Sep 18, 2026 · Amount on Record
Prior Sale	Oct 10, 2022 · Amount on Record
Deed Document Number	20260918231
Deed Book / Page	14443 / 1
Prior Transfer Date	Mar 1, 2010
Prior Transfer Doc	0000000014
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 18, 2026
Property Address	55 E MAIN ST, 5, CHATTANOOGA, TN 37408-1200
Document Number	0000000231
Book / Page	14443 / 1
Instrument Date	Sep 17, 2026
Instrument	2026231
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	M AND M TITLE INSURANCE, HON & KOPET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248,510.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 E MAIN ST, 208, CHATTANOOGA, TN 37408-1224

Mortgage

Document Number	0000000232,
Date	Sep 18, 2026
Book Page	14443/4
Instrument	20260918232

Lender

Name	CANOPY MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 10, 2022
Property Address	55 E MAIN ST # 5, 5, CHATTANOOGA, TN 37408-1200
Document Number	0000000121
Book / Page	13112 / 972
Map Reference	MB 7322 PG 31
Instrument Date	Oct 7, 2022
Instrument	2022101000121
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,257.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0131120975
Date	Oct 10, 2022
Instrument	13112-0975

Lender

Name	PINNCACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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	$3,132.00 (+30.99%)	$206,700 (+93.4%)	$826,800 (+93.4%) Land $87,500 Building $739,300
2023	$2,391.00	$106,875	$427,500 Land $85,500 Building $342,000

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

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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