Hamilton County property record for 613 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,628 sqft · built 1930 |
| Lot Size | 0.117 acres (5,125 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $422,000 (Jun 2024) |
| Tax Bill | $1,770 (2025) |
| Deeds & Mortgages | Jun 2024 Sale & Mortgage May 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135C G 008 |
| Primary APN | 135C G 008 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,628 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,125 sqft (0.117 acres) |
| Lot Dimensions | 102 ft deep x 50 ft wide |
| Deck Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000058855 |
|---|---|
| Street Address | 613 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT PT 8 9 MORRIS ADDN PB 6 PG 18 |
| Legal Subdivision | MORRIS ADDN |
| Legal Lot Number | 8 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1034 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 613 SPEARS AVE, CHATTANOOGA, TN 37405-3549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2024 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE CORP |
| May 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU |
| Sep 27, 2017 | Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Mar 17, 2017 | Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2024 · Amount on Record |
| Deed Sale | Jun 25, 2024 · Amount on Record |
| Prior Sale | May 24, 2018 · Amount on Record |
| Deed Document Number | 2024062500100 |
| Deed Book / Page | 13630 / 588 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 25, 2024 |
| Property Address | 613 SPEARS AVE, CHATTANOOGA, TN 37405-3549 |
| Document Number | 0000000100 |
| Book / Page | 13630 / 588 |
| Map Reference | MB 6 PG 18 |
| Instrument Date | Jun 20, 2024 |
| Instrument | 2024062500100 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | REALTY TITLE INC, REALTY T&E SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,561.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 613 SPEARS AVE, CHATTANOOGA, TN 37405-3549 |
| Document Number | 0000000101 |
|---|---|
| Date | Jun 25, 2024 |
| Instrument | 2024062500101 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 24, 2018 |
| Property Address | 613 SPEARS AVE, CHATTANOOGA, TN 37405-3549 |
| Document Number | 0000000119 |
| Book / Page | 11355 / 270 |
| Map Reference | MB6 PG18 |
| Instrument Date | May 23, 2018 |
| Instrument | 2018052400119 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $904.22 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 613 SPEARS AVE, CHATTANOOGA, TN 37405-3549 |
| Document Number | 0000000120 |
|---|---|
| Date | May 24, 2018 |
| Instrument | 2018052400120 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 27, 2017 |
| Property Address | 613 SPEARS AVE, CHATTANOOGA, TN 37405-3549 |
| Document Number | 0000000093 |
| Book / Page | 011164 / 000013 |
| Instrument Date | Sep 25, 2017 |
| Instrument | 93 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $584.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 743 HIXSON TN 373430743, HIXSON, TN 37343-0743 |
| Document Number | 94 |
|---|---|
| Date | Sep 27, 2017 |
| Book Page | 011164/000015 |
| Instrument | 94 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 26, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 17, 2017 |
| Property Address | 613 SPEARS AVE, CHATTANOOGA, TN 37405-3549 |
| Document Number | 0000000016 |
| Book / Page | 11000 / 991 |
| Map Reference | MB6 PG18 |
| Instrument Date | Mar 13, 2017 |
| Instrument | 2017031700016 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | ENSIGN TITLE & ESCROW INCQ |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $462.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1382, SODDY DAISY, TN 37384-1382 |
| Document Number | 0000000017 |
|---|---|
| Date | Mar 17, 2017 |
| Instrument | 2017031700017 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
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 | $1,770.00 (+97.54%) | $116,825 (+191.7%) | $467,300 (+191.7%) Land $125,000 Building $342,300 |
| 2024 | $896.00 | $40,050 (-) | $160,200 (-) Land $70,000 Building $90,200 |
| 2023 | $896.00 | $40,050 (-) | $160,200 (-) Land $70,000 Building $90,200 |
| 2022 | $896.00 | $40,050 | $160,200 Land $70,000 Building $90,200 |
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 99.1% of the US · lower than 99.2% 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