Hamilton County property record for 413 Spears Ave, Chattanooga, TN 37405
| Property Type | Office Building |
|---|---|
| Details | 2,404 sqft · built 1920 |
| Lot Size | 0.11 acres (4,803 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,050,000 (Jul 2026) |
| Tax Bill | $2,539 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Mar 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 135C U 005 |
| Primary APN | 135C U 005 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,404 sqft Total Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Wood Truss |
| Roof Material | Built-Up Asphalt |
| Lot Area | 4,803 sqft (0.11 acres) |
| Lot Dimensions | 68 ft deep x 73 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000059099 |
|---|---|
| Street Address | 413 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3844 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | C2 |
| Legal Description | PT LT 18 WILLIAMS ADDN NO 1 TO HILL CITY PB 2 PG 26 0038 29 07 |
| Legal Subdivision | WILLIAMS ADDN NO 1 H |
| Legal Lot Number | 18 |
| 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 August 7, 2026
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 | 423 MONTROSE AVE, TEMPLE TERRACE, FL 33617-4210 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 30, 2026 | Warranty Deed, Transfer TITLE GUARANTY AND TRUST, TITLE GUARANTY & TRUST |
| Mar 2, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2026 · Amount on Record |
| Deed Sale | Jul 30, 2026 · Amount on Record |
| Prior Sale | Dec 14, 2005 · Amount on Record |
| Deed Document Number | 2026330 |
| Deed Book / Page | 14386 / 354 |
| Prior Transfer Date | Feb 1, 2018 |
| Prior Transfer Doc | 0000000030 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 30, 2026 |
| Property Address | 413 SPEARS AVE, CHATTANOOGA, TN 37405-3844 |
| Document Number | 0000000330 |
| Book / Page | 14386 / 354 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 2026330 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2026 |
| Title Company | TITLE GUARANTY AND TRUST, TITLE GUARANTY & TRUST |
| Amount | Amount Recorded |
|---|---|
| Tax | $392,385.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 423 MONTROSE AVE, TEMPLE TERRACE, FL 33617-4210 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 2, 2018 |
| Property Address | 413 SPEARS AVE, CHATTANOOGA, TN 37405-3844 |
| Document Number | 0000000030 |
| Book / Page | 011283 / 000388 |
| Instrument Date | Feb 1, 2018 |
| Instrument | 30 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 301 PARK RD LOOKOUT MOUNTAIN TN 373501155, LOOKOUT MOUNTAIN, TN 37350-1155 |
Source: Hamilton County assessment roll, as of January 2, 2026
| 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 | $2,539.00 (-19.88%) | $167,535 (+18.27%) | $600,600 (+43.86%) Land $109,400 Building $491,200 |
| 2024 | $3,169.00 | $141,650 (-) | $417,500 (-) Land $88,500 Building $329,000 |
| 2023 | $3,169.00 | $141,650 | $417,500 Land $88,500 Building $329,000 |
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 |
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