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803 Cherry St, Chattanooga, TN 37402 Property Records

Hamilton County property record for 803 Cherry St, Chattanooga, TN 37402

Property Summary

Property TypeOffice Building
Details2,308 sqft · built 1875
Lot Size1 acres (43,560 sqft)
OwnerCompany Name on File
Last Sale$695,000 (Nov 2022)
Tax Bill$3,956 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Nov 2022 Sale & Second Mortgage
Flood ZoneZone X (minimal risk)
APN145DA C 001 C102

Property Details

APN / Parcel Number

Primary APN145DA C 001 C102
Alternative APN
  • 0000162672

Interior

Stories1 Story
Building Area2,308 sqft Total Area

Exterior

Year BuiltBuilt 1875
Effective Year BuiltEffective 1985
Exterior MaterialBrick
Fire ResistanceMasonry Walls, Wood Interior
Lot Area43,560 sqft

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account Number0000162672
Old Parcel Number145DAC 001 C102
Street Address803 CHERRY ST
CityCHATTANOOGA
StateTN
Zip37402-2406
Property CategoryCommercial
Property TypeCommercial > Office > Office Building
Local Zoning CodeR3
Legal DescriptionUNIT C2 LOVEMANS ON MARKET CONDOMINIUMS OUT OF 145DA-C-001 FOR 2008
Legal Subdivision800 TOWN CENTRE SUB UN C-2
Legal UnitC2
JurisdictionHAMILTON TN
Township / Civil Division6
Census Block Group2
Census Block2080
Census Tract3100

Historic Designation

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

Historic DistrictWithin 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 RecordCompany Name on File
Mailing Address803 CHERRY ST, CHATTANOOGA, TN 37402-2406
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2021Deed of Trust, Mortgage · Commercial Mortgage
TENNESSEE VALLEY FCU
Nov 1, 2022Special Warranty Deed, Transfer · Stand-Alone Second Mortgage
CAPSTAR BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 1, 2022 · Amount on File
Deed SaleNov 1, 2022 · Amount on File
Prior SaleNov 19, 2014 · Amount on File
Deed Document Number0013132408
Deed Book / Page13132 / 408
Record UpdatedJun 8, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address803 CHERRY ST, CHATTANOOGA, TN 37402-2406
Transaction TypeMortgage
Record UpdatedJan 1, 2026
Title CompanyCUMBERLAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000233
DateFeb 10, 2021
Book Page12351/290
Instrument2021021000233
Lender
NameTENNESSEE VALLEY FCU
TypeCredit Union
AddressCHATTANOOGA, TN 37402
Agreement
TypeCommercial Mortgage
AmountAmount on Record

November 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionHAMILTON TN
Recording DateNov 1, 2022
Property Address803 CHERRY ST, CHATTANOOGA, TN 37402-2406
Document Number0000000332
Book / Page13132 / 408
Map ReferenceMB 6553 PG 69
Instrument DateNov 1, 2022
Instrument2022110100332
Transaction TypeTransfer
Record UpdatedJan 1, 2026
Title CompanyCUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,571.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1401 MARKET ST, CHATTANOOGA, TN 37402-4491

Mortgage

Document Number0131320412
DateNov 1, 2022
Instrument13132-0412
Lender
NameCAPSTAR BANK
TypeBank
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,956.00 (+12.07%)$261,040 (+65.42%)$652,600 (+65.42%) Land $115,000 Building $537,600
2023$3,530.00$157,800$394,500 Land $118,500 Building $276,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskNot 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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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