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1005 Spears Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 1005 Spears Ave, Chattanooga, TN 37405

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,684 sqft · built 1930
Lot Size0.157 acres (6,855 sqft)
OwnerIndividual Name on File
Last Sale$255,000 (Apr 2018)
Tax Bill$1,356 (2025)
Deeds & MortgagesJun 2021 Mortgage
Apr 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN126N E 020

Property Details

APN / Parcel Number

Primary APN126N E 020
Alternative APN
  • 0000050375

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,684 sqft Living Area

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1980
Exterior MaterialAluminum Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,855 sqft (0.157 acres)
Lot Dimensions150 ft deep x 45.7 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000050375
Street Address1005 SPEARS AVE
CityCHATTANOOGA
StateTN
Zip37405-2045
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionLT 147 SPEARS ADDITION TO HILL CITY PB 1 PG 27 REV 108-130
Legal SubdivisionSPEARS SUB OF HILL C
Legal Lot Number147
JurisdictionHAMILTON TN
Township / Civil Division6
Census Block Group1
Census Block1000
Census Tract800

Historic Designation

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

Historic DistrictWithin 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

1005 Spears Ave is owned and occupied by an individual who bought it in April 2018.

Source: Hamilton County records, as of December 31, 2025

Owner of RecordIndividual Name on File
Mailing Address1005 SPEARS AVE, CHATTANOOGA, TN 37405-2045
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jun 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Apr 18, 2018Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE INVTRS
Jan 4, 2017Warranty Deed, Transfer
WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 18, 2018 · Amount on File
Deed SaleApr 18, 2018 · Amount on File
Prior SaleJan 4, 2017 · Amount on File
Deed Document Number0011323134
Deed Book / Page11323 / 134
Record UpdatedJun 8, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address1005 SPEARS AVE, CHATTANOOGA, TN 37405-2045
Transaction TypeMortgage
Record UpdatedSep 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000236
DateJun 11, 2021
Book Page12524/182
Instrument2021061100236
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateApr 18, 2018
Property Address1005 SPEARS AVE, CHATTANOOGA, TN 37405-2045
Document Number0000000155
Book / Page011323 / 000134
Instrument DateApr 18, 2018
Instrument155
Transaction TypeTransfer
Record UpdatedAug 31, 2018
Title CompanyFIRST TITLE INSURANCE AGENCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$943.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1005 SPEARS AVE CHATTANOOGA TN 374052045, CHATTANOOGA, TN 37405-2045

Mortgage

Document Number156
DateApr 18, 2018
Book Page011323/000136
Instrument156
Lender
NameMORTGAGE INVTRS
TypeMortgage Company
AddressKNOXVILLE, TN 37923
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 17, 2048

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJan 4, 2017
Property Address1005 SPEARS AVE, CHATTANOOGA, TN 37405-2045
Document Number0000000275
Book / Page010946 / 000605
Instrument DateDec 27, 2016
Instrument275
Transaction TypeTransfer
Record UpdatedJan 20, 2017
Title CompanyWARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC

Transaction

AmountAmount on Record
Tax$258.63
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1005 SPEARS AVE CHATTANOOGA TN 374052045, CHATTANOOGA, TN 37405-2045

Tax Assessment & Valuation

The 2025 property tax bill for 1005 Spears Ave was $1,356, up 39.1% from the year before.

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$1,356.00 (+39.08%)$89,525 (+105.33%)$358,100 (+105.33%) Land $125,000 Building $233,100
2024$975.00$43,600 (-)$174,400 (-) Land $70,000 Building $104,400
2023$975.00$43,600 (-)$174,400 (-) Land $70,000 Building $104,400
2022$975.00$43,600$174,400 Land $70,000 Building $104,400

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

FEMA maps place 1005 Spears Ave in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

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
Flood Insurance CostPremium on File
median of 17 policies
Nearby Flood Policies17 in force
Nearby Flood Claims8 (1978–2009)
Claims Outside the SFHA1 of 8
Most Recent ClaimSep 2009 · rainfall accumulation
Claims by Event
  • Severe Storms, Tornadoes, And Flooding, May 2003 · 2 claims

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

Wildfire risk around 1005 Spears Ave is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 66% of the US · above 50% of Tennessee
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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

ProviderMax Down / Up (Mbps)
EPB
Fiber		100,000 / 100,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

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