622 Spears Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 622 Spears Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,878 sqft · built 2015
Lot Size	0.169 acres (7,400 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Nov 2015)
Tax Bill	$2,081 (2025)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135D A 009`

Property Details

APN / Parcel Number

Primary APN	`135D A 009`
Alternative APN	`0000059115`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,878 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Fiber Cement Siding
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	0000059115
Street Address	622 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 2 ALLINS ADDN TO HILL CITY PB 3 PG 15
Legal Subdivision	ALLENS ADDN TO HILL
Legal Lot Number	2
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

622 Spears Ave is owned and occupied by two individuals who bought it in November 2015.

Source: Hamilton County records, as of January 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	622 SPEARS AVE, CHATTANOOGA, TN 37405-3550
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2015 · Amount on File
Deed Sale	Nov 20, 2015 · Amount on File
Prior Sale	Jan 28, 2015 · Amount on File
Deed Document Number	2015139
Deed Book / Page	10615 / 895
Prior Transfer Date	Mar 5, 2003
Prior Transfer Doc	0000000170
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	622 SPEARS AVE, CHATTANOOGA, TN 37405-3550
Document Number	0820000015
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 2, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	622 SPEARS AVE CHATTANOOGA TN 374053550, CHATTANOOGA, TN 37405-3550

Mortgage

Document Number	0820000015
Date	Aug 20, 2019
Book Page	011733/000680
Instrument	190820000015

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 622 Spears Ave was $2,081, up 5.3% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

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	$2,081.00 (+5.26%)	$137,300 (+55.36%)	$549,200 (+55.36%) Land $125,000 Building $424,200
2024	$1,977.00	$88,375 (-)	$353,500 (-) Land $70,000 Building $283,500
2023	$1,977.00	$88,375 (-)	$353,500 (-) Land $70,000 Building $283,500
2022	$1,977.00	$88,375	$353,500 Land $70,000 Building $283,500

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

FEMA maps place 622 Spears Ave in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

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 File 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

Wildfire risk around 622 Spears Ave is low, with less than a 0.01% annual chance of 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