Hamilton County property record for 510 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,092 sqft · built 1940 |
| Lot Size | 0.149 acres (6,494 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (May 2024) |
| Tax Bill | $1,382 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit May 2024 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135D B 018.02 |
| Primary APN | 135D B 018.02 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,494 sqft (0.149 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0000387334 |
|---|---|
| Street Address | 510 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 49 NORTH CHATT LAND CO PB1 PG28 REV 48-336 REV 114-179 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 49 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1036 |
| 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 March 27, 2026
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 813033, SMYRNA, GA 30081-8033 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2023 | Deed of Trust, Mortgage · Line of Credit ROCKPOINT BANK NA |
| May 9, 2024 | Warranty Deed, Transfer KEY TITLE AND ESCROW, KEY TITLE & ESCROW |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional with PMI FNB BK |
| Aug 12, 2020 | Quit Claim Deed, Transfer KEY TITLE AND ESCROW, KEY TITLE & ESCROW |
| Aug 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage MARY A CALDER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2024 · Amount on Record |
| Deed Sale | May 9, 2024 · Amount on Record |
| Prior Sale | Aug 10, 2020 · Amount on Record |
| Deed Document Number | 202492 |
| Deed Book / Page | 13588 / 19 |
| Prior Transfer Date | Aug 11, 2020 |
| Prior Transfer Doc | 0000000162 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 510 SPEARS AVE, CHATTANOOGA, TN 37405-3847 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 510 SPEARS AVE, CHATTANOOGA, TN 37405-3847 |
| Document Number | 0000000155 |
|---|---|
| Date | Feb 17, 2023 |
| Book Page | 13214/922 |
| Instrument | 2023021700155 |
| Name | ROCKPOINT BANK NA |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 9, 2024 |
| Property Address | 510 SPEARS AVE, CHATTANOOGA, TN 37405-3847 |
| Document Number | 0000000092 |
| Book / Page | 13588 / 19 |
| Map Reference | MB 114 PG 179 |
| Instrument Date | May 3, 2024 |
| Instrument | 2024050900092 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | KEY TITLE AND ESCROW, KEY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,239.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 813033, SMYRNA, GA 30081-8033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 510 SPEARS AVE, CHATTANOOGA, TN 37405-3847 |
| Document Number | 1203000222 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 510 SPEARS AVE CHATTANOOGA TN 374053847, CHATTANOOGA, TN 37405-3847 |
| Document Number | 1203000222 |
|---|---|
| Date | Dec 3, 2020 |
| Book Page | 012256/000890 |
| Instrument | 201203000222 |
| Name | FNB BK |
|---|---|
| Type | Bank |
| Address | SCOTTSBORO, AL 35768 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 12, 2020 |
| Property Address | 510 SPEARS AVE, CHATTANOOGA, TN 37405-3847 |
| Document Number | 0812000162 |
| Book / Page | 012110 / 000743 |
| Instrument Date | Aug 11, 2020 |
| Instrument | 200812000162 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2020 |
| Title Company | KEY TITLE AND ESCROW, KEY TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 510 SPEARS AVE CHATTANOOGA TN 374053847, CHATTANOOGA, TN 37405-3847 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 10, 2020 |
| Property Address | 510 SPEARS AVE, CHATTANOOGA, TN 37405-3847 |
| Document Number | 0810000324 |
| Book / Page | 012107 / 000892 |
| Instrument Date | Aug 5, 2020 |
| Instrument | 200810000324 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2020 |
| Title Company | KEY TITLE AND ESCROW, KEY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $977.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 510 SPEARS AVE CHATTANOOGA TN 374053847, CHATTANOOGA, TN 37405-3847 |
| Document Number | 810000326 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 012107/000902 |
| Instrument | 200810000326 |
| Name | MARY A CALDER |
|---|---|
| Address | 510 SPEARS AVE, CHATTANOOGA, TN 37405-3847 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Aug 9, 2022 |
| Document Number | 810000325, |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 012107/000895 |
| Instrument | 200810000325 |
| Name | KAMMER HOLDINGS LLC |
|---|---|
| Address | 510 SPEARS AVE, CHATTANOOGA, TN 37405-3847 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Aug 9, 2025 |
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 | $1,382.00 (+105.35%) | $91,200 (+202.74%) | $364,800 (+202.74%) Land $125,000 Building $239,800 |
| 2024 | $673.00 | $30,125 (-) | $120,500 (-) Land $70,000 Building $50,500 |
| 2023 | $673.00 | $30,125 (-) | $120,500 (-) Land $70,000 Building $50,500 |
| 2022 | $673.00 | $30,125 | $120,500 Land $70,000 Building $50,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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