Hamilton County property record for 626 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,010 sqft · built 1930 |
| Lot Size | 0.084 acres (3,688 sqft) |
| Owner | Individual Name on File |
| Last Sale | $47,500 (Mar 2003) |
| Tax Bill | $958 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 135D A 011 |
| Primary APN | 135D A 011 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,010 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 3,688 sqft (0.084 acres) |
| Lot Dimensions | 148 ft deep x 54 ft wide |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Account Number | 0000059117 |
|---|---|
| Street Address | 626 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 67A NORTH CHATT LAND CO PB 1 PG 28 REV 106-97 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 67 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1035 |
| 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.
626 Spears Ave is owned by an individual who bought it in March 2003.
Source: Hamilton County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 629 SPEARS AVE, CHATTANOOGA, TN 37405-3549 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2003 · Amount on File |
| Deed Sale | Mar 18, 2003 · Amount on File |
| Prior Sale | Mar 28, 2001 · Amount on File |
| Deed Document Number | 2003338 |
| Deed Book / Page | 6587 / 537 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 626 Spears Ave was $958, up 60.7% from the year before.
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 | $958.00 (+60.74%) | $63,225 (+137.02%) | $252,900 (+137.02%) Land $125,000 Building $127,900 |
| 2024 | $596.00 | $26,675 (-) | $106,700 (-) Land $56,000 Building $50,700 |
| 2023 | $596.00 | $26,675 (-) | $106,700 (-) Land $56,000 Building $50,700 |
| 2022 | $596.00 | $26,675 | $106,700 Land $56,000 Building $50,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 626 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 |
|
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 risk around 626 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.
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