720 Cherry St, Chattanooga, TN 37402 Property Records

Hamilton County property record for 720 Cherry St, Chattanooga, TN 37402

Property Summary

Property Type	Office Building
Details	10,320 sqft · built 1920
Lot Size	0.119 acres (5,210 sqft)
Owner	Company Name on Record
Last Sale	$155,000 (Feb 1979)
Tax Bill	$9,794 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Nov 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`145D L 019`

Property Details

APN / Parcel Number

Primary APN	`145D L 019`
Alternative APN	`0000069944`

Interior

Stories	2 Stories
Building Area	10,320 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	5,210 sqft (0.119 acres)
Lot Dimensions	100 ft deep x 52.1 ft wide

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	0000069944
Street Address	720 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 2 FIDELITY TRUST SUB PB 87 PG 191
Legal Subdivision	ORIGINAL TOWN WALNUT
Legal Lot Number	2
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 70, CHATTANOOGA, TN 37401-0070
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST VOLUNTEER BANK
Nov 3, 2017	Loan Modification, Mortgage FIRST VOLUNTEER BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 1979 · Amount on Record
Deed Sale	Feb 16, 1979 · Amount on Record
Deed Document Number	0000256963
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	720 CHERRY ST, CHATTANOOGA, TN 37402-1909
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000269
Date	Jun 2, 2017
Book Page	11066/279
Instrument	2017060200269

Lender

Name	FIRST VOLUNTEER BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	May 30, 2022

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	720 CHERRY ST, CHATTANOOGA, TN 37402-1909
Document Number	0000000057
Book / Page	011201 / 000866
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000000057
Date	Nov 13, 2017
Book Page	011201/000866
Instrument	57

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded

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	$9,794.00 (-11.2%)	$646,200 (+31.08%)	$1,615,500 (+31.08%) Land $313,000 Building $1,302,500
2024	$11,029.00	$493,000 (-)	$1,232,500 (-) Land $208,700 Building $1,023,800
2023	$11,029.00	$493,000 (-)	$1,232,500 (-) Land $208,700 Building $1,023,800
2022	$11,029.00	$493,000	$1,232,500 Land $208,700 Building $1,023,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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