714 Cherry St, Chattanooga, TN 37402 Property Records

Hamilton County property record for 714 Cherry St, Chattanooga, TN 37402

Property Summary

Property Type	Office Building
Details	11,204 sqft · built 1920
Lot Size	0.107 acres (4,680 sqft)
Owner	Company Name on Record
Last Sale	$2,480,000 (Aug 2024)
Tax Bill	$14,667 (2025)
Deeds & Mortgages	Nov 2023 Construction Loan Nov 2023 Construction Loan + 6 more
Flood Zone	Zone X (minimal risk)
APN	`145D L 019.01`

Property Details

APN / Parcel Number

Primary APN	`145D L 019.01`
Alternative APN	`0000161624`

Interior

Stories	2 Stories
Building Area	11,204 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1971
Exterior Material	Brick
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	4,680 sqft (0.107 acres)
Lot Dimensions	100 ft deep x 46.8 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	0000161624
Old Parcel Number	145D L 01901
Street Address	714 CHERRY ST
City	CHATTANOOGA
State	TN
Zip	37402-1909
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C3
Legal Description	LT 1 FIDELITY TRUST SUB PB 87 PG 191 OUT OF 145D-L-019 FOR 2008
Legal Subdivision	FIDELITY TRUST SUB
Legal Lot Number	1
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	2
Census Block	2068
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Construction Mortgage BUILTWELL BANK
Nov 3, 2023	Deed of Trust, Mortgage · Construction Mortgage BUILTWELL BANK
Nov 3, 2023	Deed of Trust, Mortgage · Construction Mortgage BUILTWELL BANK
Aug 29, 2024	Warranty Deed, Transfer · Commercial Mortgage PINNACLE BANK
Jun 2, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST VOLUNTEER BANK
Jun 2, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST VOLUNTEER BANK
Jul 30, 2020	Loan Modification, Mortgage FIRST VOLUNTEER BK
Oct 28, 2019	Deed of Trust, Mortgage MISCELLANEOUS INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2024 · Amount on Record
Deed Sale	Aug 29, 2024 · Amount on Record
Deed Document Number	0013691359
Deed Book / Page	13691 / 359
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000193
Date	Nov 6, 2023
Book Page	13441/901
Instrument	2023110600193

Lender

Name	BUILTWELL BANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Oct 20, 2028

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000125
Date	Nov 3, 2023
Book Page	13440/633
Instrument	2023110300125

Lender

Name	BUILTWELL BANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Oct 20, 2028

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000153
Date	Nov 3, 2023
Book Page	13440/823
Instrument	2023110300153

Lender

Name	BUILTWELL BANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Oct 20, 2028

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 29, 2024
Property Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Document Number	0000000129
Book / Page	13691 / 359
Map Reference	MB 87 PG 191
Instrument Date	Aug 29, 2024
Instrument	2024082900129
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,176.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909

Mortgage

Document Number	0000000130
Date	Aug 29, 2024
Instrument	2024082900130

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000274
Date	Jun 2, 2017
Book Page	11066/316
Instrument	2017060200274

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000279
Date	Jun 2, 2017
Book Page	11066/365
Instrument	2017060200279

Lender

Name	FIRST VOLUNTEER BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jun 5, 2019

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Document Number	0805000169
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	PO BOX 70 CHATTANOOGA TN 374010070, CHATTANOOGA, TN 37401-0070

Mortgage

Document Number	0805000169
Date	Aug 5, 2020
Book Page	012102/000374
Instrument	200805000169

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 4, 2030

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	714 CHERRY ST, CHATTANOOGA, TN 37402-1909
Document Number	1105000047
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	1105000047
Date	Nov 5, 2019
Book Page	011810/000493
Instrument	191105000047

Lender

Name	MISCELLANEOUS INS CO
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 4, 2034

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	$14,667.00 (+75.19%)	$967,720 (+158.58%)	$2,419,300 (+158.58%) Land $281,000 Building $2,138,300
2024	$8,372.00	$374,240 (-)	$935,600 (-) Land $187,300 Building $748,300
2023	$8,372.00	$374,240 (-)	$935,600 (-) Land $187,300 Building $748,300
2022	$8,372.00	$374,240	$935,600 Land $187,300 Building $748,300

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 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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