Hamilton County property record for 409 Spears Ave, Chattanooga, TN 37405
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 3,562 sqft · built 1966 |
| Lot Size | 0.421 acres (18,380 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $113,950 (Mar 1996) |
| Tax Bill | $2,306 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 135C U 006 |
| Primary APN | 135C U 006 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,562 sqft Total Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Metal |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Steel Frame/Truss |
| Roof Material | Metal |
| Lot Area | 18,380 sqft (0.421 acres) |
| Lot Dimensions | 183 ft deep x 100 ft wide |
| Sewer | Connected |
|---|
| Account Number | 0000059100 |
|---|---|
| Street Address | 409 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3844 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | C2 |
| Legal Description | PT LT 16 & LT 17 WILLIAMS ADDN NO 1 TO HILL CITY PB 2 PG 26 |
| Legal Subdivision | WILLIAMS ADDN NO 1 H |
| Legal Lot Number | 16 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within 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.
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 | Owner Name on Record |
|---|---|
| Mailing Address | 516 CHESTNUT ST STE 104, 104, CHATTANOOGA, TN 37402-4948 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 1996 · Amount on Record |
| Deed Sale | Mar 15, 1996 · Amount on Record |
| Prior Sale | Mar 15, 1996 · Amount on Record |
| Deed Document Number | 0046490406 |
| Deed Book / Page | 135 |
| Last Transfer Date | Aug 9, 1996 |
| Transfer Doc | 0047270255 |
| Record Updated | Jun 8, 2026 |
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,306.00 (-8.78%) | $152,160 (+34.65%) | $380,400 (+34.65%) Land $279,900 Building $100,500 |
| 2024 | $2,528.00 | $113,000 (-) | $282,500 (-) Land $194,100 Building $88,400 |
| 2023 | $2,528.00 | $113,000 (-) | $282,500 (-) Land $194,100 Building $88,400 |
| 2022 | $2,528.00 | $113,000 | $282,500 Land $194,100 Building $88,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 8 (1978–2009) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Sep 2009 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 446 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures