Hamilton County property record for 712 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 893 sqft · built 2024 |
| Lot Size | 0.181 acres (7,900 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $675,000 (Oct 2026) |
| Tax Bill | $2,397 (2025) |
| Deeds & Mortgages | Oct 2026 Sale Feb 2024 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135D A 017 |
| Primary APN | 135D A 017 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 893 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,900 sqft (0.181 acres) |
| Lot Dimensions | 158 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000059123 |
|---|---|
| Street Address | 712 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 73 NORTH CHATT LAND CO PB1 PG28 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 73 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1015 |
| 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.
Source: Hamilton County records, as of October 20, 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 | 712 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Oct 9, 2026 | Warranty Deed, Transfer NORTH TITLE, NORTH & MAIN TITLE |
| Feb 2, 2024 | Deed of Trust, Mortgage · Construction Mortgage BUILTWELL BANK |
| Dec 29, 2023 | Warranty Deed, Transfer TITLE GROUP OF TENNESSEE, TITLE SERVICES OF TENNESSEE |
| Oct 2, 2023 | Warranty Deed, Transfer TITLE GROUP OF TENNESSEE, TITLE SERVICES OF TENNESSEE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2026 · Amount on Record |
| Deed Sale | Oct 9, 2026 · Amount on Record |
| Prior Sale | Dec 29, 2023 · Amount on Record |
| Deed Document Number | 20261009152 |
| Deed Book / Page | 14466 / 575 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 9, 2026 |
| Property Address | 712 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 0000000152 |
| Book / Page | 14466 / 575 |
| Instrument Date | Oct 6, 2026 |
| Instrument | 20261009152 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NORTH TITLE, NORTH & MAIN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $252,247.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 712 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 712 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | FIRST TITLE |
| Name | Verified Name |
|---|---|
| Address | 505 BEAVERS RD, CANTON, GA 30115-6135 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000026 |
|---|---|
| Date | Feb 2, 2024 |
| Book Page | 13503/533 |
| Instrument | 2024020200026 |
| Name | BUILTWELL BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Feb 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.75% |
| Max Rate At Change | 11.7% |
| Index | SOFR Average 30-Day |
| Max Rate | 14.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 29, 2023 |
| Property Address | 712 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 0000000214 |
| Book / Page | 13481 / 979 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Dec 20, 2023 |
| Instrument | 2023122900214 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GROUP OF TENNESSEE, TITLE SERVICES OF TENNESSEE |
| Amount | Amount Recorded |
|---|---|
| Tax | $647.50 |
| Amount Accuracy | Judgment Amount |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 712 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 2, 2023 |
| Property Address | 712 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 0000000185 |
| Book / Page | 13414 / 16 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Sep 27, 2023 |
| Instrument | 2023100200185 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GROUP OF TENNESSEE, TITLE SERVICES OF TENNESSEE |
| Amount | Amount Recorded |
|---|---|
| Tax | $490.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2120 DAYTON BLVD, CHATTANOOGA, TN 37415-6414 |
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 | $2,397.00 (+513.04%) | $158,150 (+803.71%) | $632,600 (+803.71%) Land $125,000 Building $507,600 |
| 2024 | $391.00 (-47.02%) | $17,500 (-47.01%) | $70,000 (-47.01%) Land $70,000 |
| 2023 | $738.00 | $33,025 (-) | $132,100 (-) Land $70,000 Building $62,100 |
| 2022 | $738.00 | $33,025 | $132,100 Land $70,000 Building $62,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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 |
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