627 Spears Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 627 Spears Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,684 sqft · built 1910
Lot Size	0.168 acres (7,341 sqft)
Owner	Individual Name on Record
Last Sale	$422,000 (Nov 2022)
Tax Bill	$1,608 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Mar 2022 Sale & Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`135C G 002`

Property Details

APN / Parcel Number

Primary APN	`135C G 002`
Alternative APN	`0000058849`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,684 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1975
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,341 sqft (0.168 acres)
Lot Dimensions	114 ft deep x 64 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000058849
Street Address	627 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 8 PT 7 ALLINS ADDN TO HILL CITY PB 3 PG 15
Legal Subdivision	ALLENS ADDN TO HILL
Legal Lot Number	8
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1034
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 April 2, 2026

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
Mailing Address	627 SPEARS AVE, CHATTANOOGA, TN 37405-3549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Mar 29, 2022	Warranty Deed, Transfer · Line of Credit TRIDENT REALTY INVESTMENT LLC
Aug 27, 2021	Warranty Deed, Transfer CENTRAL FLORIDA TITLE COMPANY, CENTURY TITLE & ESCROW INC
Apr 5, 2019	Warranty Deed, Transfer · Conventional Mortgage S&J SOUTHEAST INVESTMENTS LLC
Nov 2, 2017	Deed of Trust, Mortgage FIRST CITIZENS NAT'L BK
Apr 7, 2017	Warranty Deed, Transfer RELI SETTLEMENT SOLUTIONS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2022 · Amount on Record
Deed Sale	Nov 3, 2022 · Amount on Record
Prior Sale	Mar 29, 2022 · Amount on Record
Deed Document Number	202256
Deed Book / Page	13133 / 993
Prior Transfer Date	Jun 8, 2004
Prior Transfer Doc	7162388
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 3, 2022
Property Address	627 SPEARS AVE, CHATTANOOGA, TN 37405-3549
Document Number	0000000056
Book / Page	13133 / 993
Map Reference	MB 3 PG 15
Instrument Date	Nov 3, 2022
Instrument	2022110300056
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,561.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6275 SPANS AVENUE, CHATTANOOGA, TN 37405

Mortgage

Document Number	0000131341
Date	Nov 3, 2022
Instrument	13134/1

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 29, 2022
Property Address	627 SPEARS AVE, CHATTANOOGA, TN 37405-3549
Document Number	0000000266
Book / Page	12900 / 884
Map Reference	MB 3 PG 15
Instrument Date	Mar 25, 2022
Instrument	2022032900266
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN, BRIDGE TITLE TITLE DOWNTOWN

Transaction

Amount	Amount Recorded
Tax	$567.95
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 PLEASANT GROVE TRL # TM, TM, MC DONALD, TN 37353-5132

Mortgage

Document Number	0012900888
Date	Mar 29, 2022
Instrument	12900/888

Lender

Name	TRIDENT REALTY INVESTMENT LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 27, 2021
Property Address	627 SPEARS AVE, CHATTANOOGA, TN 37405-3549
Document Number	0000000152
Book / Page	12626 / 313
Map Reference	MB3 PG15
Instrument Date	Aug 27, 2021
Instrument	2021082700152
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CENTRAL FLORIDA TITLE COMPANY, CENTURY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$567.95
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 WALKER BROW RIDGE RD NW, CLEVELAND, TN 37312-7530

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 5, 2019
Property Address	627 SPEARS AVE, CHATTANOOGA, TN 37405-3549
Document Number	0405000001
Book / Page	011606 / 000143
Instrument Date	Apr 4, 2019
Instrument	190405000001
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	RELI SETTLEMENT SOLUTIONS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1131 STRINGERS RIDGE RD #1N CHATTANOOGA TN 374053256, 1N, CHATTANOOGA, TN 37405-3256

Mortgage

Document Number	405000002
Date	Apr 5, 2019
Book Page	011606/000146
Instrument	190405000002

Lender

Name	S&J SOUTHEAST INVESTMENTS LLC
Address	1635 ROSSVILLE AVE, CHATTANOOGA, TN 37408-1940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	627 SPEARS AVE, CHATTANOOGA, TN 37405-3549
Document Number	0000000069
Instrument Date	Nov 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6922 LEE HWY CHATTANOOGA TN 374212466, CHATTANOOGA, TN 37421-2466

Mortgage

Document Number	0000000069
Date	Nov 3, 2017
Book Page	011195/000366
Instrument	69

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 2, 2037

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 7, 2017
Property Address	627 SPEARS AVE, CHATTANOOGA, TN 37405-3549
Document Number	0000000175
Book / Page	011019 / 000584
Instrument Date	Apr 7, 2017
Instrument	175
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	RELI SETTLEMENT SOLUTIONS LLC

Transaction

Amount	Amount Recorded
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6922 LEE HWY CHATTANOOGA TN 374212466, CHATTANOOGA, TN 37421-2466

Tax Assessment & Valuation

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	$1,608.00 (-2.19%)	$106,150 (+44.42%)	$424,600 (+44.42%) Land $137,500 Building $287,100
2024	$1,644.00	$73,500 (-)	$294,000 (-) Land $77,000 Building $217,000
2023	$1,644.00 (+183.45%)	$73,500 (+183.51%)	$294,000 (+183.51%) Land $77,000 Building $217,000
2022	$580.00	$25,925	$103,700 Land $77,000 Building $26,700

Assessed value is set for property tax purposes, not a market price estimate; it is 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

627 Spears Ave, Chattanooga, TN 37405 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2017: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Spears Ave

Nearby Streets

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