624 Spears Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 624 Spears Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,273 sqft · built 1930
Lot Size	0.183 acres (7,992 sqft)
Owner	Individual Name on File
Tax Bill	$1,053 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135D A 010`

Property Details

APN / Parcel Number

Primary APN	`135D A 010`
Alternative APN	`0000059116`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,273 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1970
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,992 sqft (0.183 acres)
Lot Dimensions	148 ft deep x 54 ft wide

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Account Number	0000059116
Street Address	624 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 1 ALLINS ADDN TO HILL CITY PB 3 PG 15
Legal Subdivision	ALLENS ADDN TO HILL
Legal Lot Number	1
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

624 Spears Ave is owned and occupied by an individual who acquired it in June 2005.

Source: Hamilton County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	624 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	Name on Deed
Last Transfer Date	Jun 1, 2005
Transfer Doc	0000000276
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	624 SPEARS AVE, CHATTANOOGA, TN 37405-3550
Document Number	0326000029
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	624 SPEARS AVE CHATTANOOGA TN 374053550, CHATTANOOGA, TN 37405-3550

Mortgage

Document Number	0326000029
Date	Mar 26, 2020
Book Page	011949/000297
Instrument	200326000029

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 25, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 624 Spears Ave was $1,053, up 33% 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	$1,053.00 (+32.95%)	$69,475 (+96.12%)	$277,900 (+96.12%) Land $125,000 Building $152,900
2024	$792.00	$35,425 (-)	$141,700 (-) Land $70,000 Building $71,700
2023	$792.00	$35,425 (-)	$141,700 (-) Land $70,000 Building $71,700
2022	$792.00	$35,425	$141,700 Land $70,000 Building $71,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 624 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 624 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