631 Cherry St, Chattanooga, TN 37402 Property Records

Hamilton County property record for 631 Cherry St, Chattanooga, TN 37402

Property Summary

Property Type	Office Building
Details	5,935 sqft · built 1891
Lot Size	0.146 acres (6,386 sqft)
Owner	Company Name on Record
Last Sale	$875,000 (Sep 2023)
Tax Bill	$5,486 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`135MD D 011`

Property Details

APN / Parcel Number

Primary APN	`135MD D 011`
Alternative APN	`0000060718`

Interior

Stories	1 Story
Building Area	5,935 sqft Total Area

Exterior

Year Built	Built 1891
Exterior Material	Brick
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	6,386 sqft (0.146 acres)
Lot Dimensions	85.5 ft deep x 74.7 ft wide

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	0000060718
Old Parcel Number	135MDD 011
Street Address	631 CHERRY ST
City	CHATTANOOGA
State	TN
Zip	37402-1908
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C3
Legal Description	PT LT 46 ORIGINAL TOWN MARKET ST N/R 0072 33 08
Legal Range	07
Legal Subdivision	ORIGINAL TOWN MARKET
Legal Lot Number	46
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	2
Census Block	2055
Census Tract	3100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Chattanooga Historic District listed 2020 · 47 contributing resources · NRIS 100005387

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
Mailing Address	631 CHERRY ST, CHATTANOOGA, TN 37402-1908
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Line of Credit BUILTWELL BANK
Sep 8, 2023	Special Warranty Deed, Transfer · Commercial Mortgage BUILTWELL BANK
Jun 2, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST VOLUNTEER BANK
Jul 30, 2020	Loan Modification, Mortgage FIRST VOLUNTEER BK
Jan 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on Record
Deed Sale	Sep 8, 2023 · Amount on Record
Prior Sale	Apr 9, 2014
Deed Document Number	2023090800090
Deed Book / Page	13394 / 678
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	631 CHERRY ST, CHATTANOOGA, TN 37402-1908
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000033
Date	Oct 25, 2023
Book Page	13431/491
Instrument	2023102500033

Lender

Name	BUILTWELL BANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	23 Months
Due	Sep 15, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 8, 2023
Property Address	631 CHERRY ST, CHATTANOOGA, TN 37402-1908
Document Number	0000000090
Book / Page	13394 / 678
Map Reference	MB 4299 PG 457
Instrument Date	Sep 6, 2023
Instrument	2023090800090
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	TITLE GUARANTY, TITLE GUARANTY AND TRUST CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 CHERRY ST, CHATTANOOGA, TN 37402-1908

Mortgage

Document Number	0000000091
Date	Sep 8, 2023
Instrument	2023090800091

Lender

Name	BUILTWELL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 10, 2038

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	631 CHERRY ST, CHATTANOOGA, TN 37402-1908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000276
Date	Jun 2, 2017
Book Page	11066/331
Instrument	2017060200276

Lender

Name	FIRST VOLUNTEER BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 5, 2022

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	631 CHERRY ST, CHATTANOOGA, TN 37402-1908
Document Number	0805000170
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13TH E 7TH ST CHATTANOOGA TN 37402, CHATTANOOGA, TN 37402

Mortgage

Document Number	0805000170
Date	Aug 5, 2020
Book Page	012102/000377
Instrument	200805000170

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 24, 2017
Property Address	631 CHERRY ST, CHATTANOOGA, TN 37402-1908
Document Number	0000000066
Book / Page	010959 / 000829
Instrument Date	Jan 23, 2017
Instrument	66
Transaction Type	Transfer
Record Updated	Feb 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 70 CHATTANOOGA TN 374010070, CHATTANOOGA, TN 37401-0070

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	$5,486.00 (-3.99%)	$362,000 (+41.74%)	$905,000 (+41.74%) Land $383,500 Building $521,500
2023	$5,714.00	$255,400 (-)	$638,500 (-) Land $255,600 Building $382,900
2022	$5,714.00	$255,400	$638,500 Land $255,600 Building $382,900

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 Policies	2 in force

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

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

May also be available: AT&T, T-Mobile, Verizon.

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