620 Spears Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 620 Spears Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	1 ba · 900 sqft · built 1920
Lot Size	0.169 acres (7,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,500 (Nov 2014)
Tax Bill	$1,057 (2025)
Deeds & Mortgages	Nov 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`135D A 008`

Property Details

APN / Parcel Number

Primary APN	`135D A 008`
Alternative APN	`0000059114`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	900 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1970
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,400 sqft (0.169 acres)
Lot Dimensions	148 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000059114
Street Address	620 SPEARS AVE
City	CHATTANOOGA
State	TN
Zip	37405-3550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 3 ALLINS ADDN TO HILL CITY PB 3 PG 15
Legal Subdivision	ALLENS ADDN TO HILL
Legal Lot Number	3
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1035
Census Tract	800

Historic Designation

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.

Owner

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	2 Individual Names on Record
Mailing Address	620 SPEARS AVE, CHATTANOOGA, TN 37405-3550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2014 · Amount on Record
Deed Sale	Nov 7, 2014 · Amount on Record
Prior Sale	Nov 7, 2014 · Amount on Record
Deed Document Number	0000000195
Deed Book / Page	010339 / 000092
Last Transfer Date	Nov 22, 2019
Transfer Doc	1122000214
Record Updated	Jun 8, 2026

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 22, 2019
Property Address	620 SPEARS AVE, CHATTANOOGA, TN 37405-3550
Document Number	1122000214
Book / Page	011828 / 000657
Instrument Date	Nov 19, 2019
Instrument	191122000214
Transaction Type	Transfer
Record Updated	Dec 11, 2019
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	620 SPEARS AVE CHATTANOOGA TN 374053550, CHATTANOOGA, TN 37405-3550

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Chattanooga City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,057.00 (+35.34%)	$69,750 (+99.71%)	$279,000 (+99.71%) Land $125,000 Building $154,000
2024	$781.00	$34,925 (-)	$139,700 (-) Land $70,000 Building $69,700
2023	$781.00	$34,925 (-)	$139,700 (-) Land $70,000 Building $69,700
2022	$781.00	$34,925	$139,700 Land $70,000 Building $69,700

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

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	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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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