Hamilton County property record for 711 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,217 sqft · built 2018 |
| Lot Size | 0.13 acres (5,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,900 (Nov 2018) |
| Tax Bill | $2,657 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Nov 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 126N P 008.01 |
| Primary APN | 126N P 008.01 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,217 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,700 sqft (0.13 acres) |
| Lot Dimensions | 114 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000164992 |
|---|---|
| Old Parcel Number | 126N P 00801 |
| Street Address | 711 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 109 NORTH CHATT LAND CO PB1 PG28 OUT OF 126N-P-008 FOR 2010 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 109 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1014 |
| 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.
711 Spears Ave is owned and occupied by two individuals who bought it in November 2018.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 711 SPEARS AVE, CHATTANOOGA, TN 37405-3536 |
| 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.
| Date | Document |
|---|---|
| Oct 25, 2023 | Deed of Trust, Mortgage · Line of Credit TENNESSEE VALLEY FCU |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional with PMI BETTER MTG CORP ISAOA |
| Nov 26, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI FIRSTBANK |
| May 11, 2018 | Warranty Deed, Transfer TITLE INSURANCE COMPANY/CHATTANOOGA |
| Feb 21, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2018 · Amount on File |
| Deed Sale | Nov 26, 2018 · Amount on File |
| Prior Sale | May 11, 2018 · Amount on File |
| Deed Document Number | 2018112600201 |
| Deed Book / Page | 11508 / 569 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 711 SPEARS AVE, CHATTANOOGA, TN 37405-3536 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY AND TRUST, TITLE GUARANTY & TRUST |
| Name | Verified Name |
|---|
| Document Number | 0000000057 |
|---|---|
| Date | Oct 25, 2023 |
| Book Page | 13431/622 |
| Instrument | 2023102500057 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 711 SPEARS AVE, CHATTANOOGA, TN 37405-3536 |
| Document Number | 1130000292 |
| Instrument Date | Nov 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2020 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC |
| Name | Verified Name |
|---|---|
| Address | 711 SPEARS AVE CHATTANOOGA TN 374053536, CHATTANOOGA, TN 37405-3536 |
| Document Number | 1130000292 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 012249/000644 |
| Instrument | 201130000292 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 26, 2018 |
| Property Address | 711 SPEARS AVE, CHATTANOOGA, TN 37405-3536 |
| Document Number | 1126000201 |
| Book / Page | 011508 / 000569 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 181126000201 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,479.63 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 711 SPEARS AVE CHATTANOOGA TN 37405, CHATTANOOGA, TN 37405 |
| Document Number | 1126000202 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 011508/000571 |
| Instrument | 181126000202 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 25, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 11, 2018 |
| Property Address | 711 SPEARS AVE, CHATTANOOGA, TN 37405-3536 |
| Document Number | 0000000221 |
| Book / Page | 011344 / 000887 |
| Instrument Date | May 11, 2018 |
| Instrument | 221 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2018 |
| Title Company | TITLE INSURANCE COMPANY/CHATTANOOGA |
| Amount | Amount on Record |
|---|---|
| Tax | $355.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 122 HUNT DR ROSSVILLE GA 307418740, ROSSVILLE, GA 30741-8740 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 21, 2017 |
| Property Address | 711 SPEARS AVE, CHATTANOOGA, TN 37405-3536 |
| Document Number | 0000000220 |
| Book / Page | 010980 / 000513 |
| Instrument Date | Feb 21, 2017 |
| Instrument | 220 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5750 LAKE RESORT DR #A121 CHATTANOOGA TN 374157038, A121, CHATTANOOGA, TN 37415-7038 |
The 2025 property tax bill for 711 Spears Ave was $2,657, up 14.4% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $2,657.00 (+14.43%) | $175,325 (+68.87%) | $701,300 (+68.87%) Land $125,000 Building $576,300 |
| 2024 | $2,322.00 (+7.15%) | $103,825 (+7.15%) | $415,300 (+7.15%) Land $70,000 Building $345,300 |
| 2023 | $2,167.00 | $96,900 (-) | $387,600 (-) Land $70,000 Building $317,600 |
| 2022 | $2,167.00 | $96,900 | $387,600 Land $70,000 Building $317,600 |
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.
FEMA maps place 711 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 711 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