Hamilton County property record for 714 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,764 sqft · built 2019 |
| Lot Size | 0.181 acres (7,900 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $19,500 (May 2013) |
| Tax Bill | $2,518 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jul 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135D A 018 |
| Primary APN | 135D A 018 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,764 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| 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 | 0000059124 |
|---|---|
| Street Address | 714 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 74 NORTH CHATT LAND CO PB1 PG28 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 74 |
| 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 January 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 714 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2020 | Deed of Trust, Mortgage MORTGAGE SOLUTIONS FIN'L SVCS |
| Jul 1, 2019 | Quit Claim Deed, Mortgage FIRST VOLUNTEER BK |
| Nov 19, 2018 | Trustee's Deed, Construction Loan · Line of Credit FIRST VOLUNTEER BK |
| Feb 6, 2018 | Quit Claim Deed, Transfer TITLE GUARANTY |
| Feb 6, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2013 · Amount on Record |
| Deed Sale | May 21, 2013 · Amount on Record |
| Deed Document Number | 2013141 |
| Deed Book / Page | 9958 / 799 |
| Prior Transfer Date | Apr 4, 2000 |
| Prior Transfer Doc | 0055780954 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 714 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 1113000027 |
| Instrument Date | Oct 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 714 SPEARS AVE CHATTANOOGA TN 374053537, CHATTANOOGA, TN 37405-3537 |
| Document Number | 1113000027 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 012230/000371 |
| Instrument | 201113000027 |
| Name | MORTGAGE SOLUTIONS FIN'L SVCS |
|---|---|
| Type | Mortgage Company |
| Address | WALNUT CREEK, CA 94598 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 12, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 1, 2019 |
| Property Address | 714 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 0701000298 |
| Book / Page | 011686 / 000153 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 190701000298 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2019 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 714 SPEARS AVE CHATTANOOGA TN 37405, CHATTANOOGA, TN 37405 |
| Document Number | 701000299 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 011686/000155 |
| Instrument | 190701000299 |
| Name | FIRST VOLUNTEER BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 30, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 19, 2018 |
| Property Address | 714 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 1119000066 |
| Book / Page | 011504 / 000287 |
| Instrument Date | Nov 13, 2018 |
| Instrument | 181119000066 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 4, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 714 SPEARS AVE CHATTANOOGA TN 37405, CHATTANOOGA, TN 37405 |
| Document Number | 1119000066 |
|---|---|
| Date | Nov 19, 2018 |
| Book Page | 011504/000287 |
| Instrument | 181119000066 |
| Name | FIRST VOLUNTEER BK |
|---|---|
| Type | Bank |
| Address | RINGGOLD, GA 30736 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 18, 2019 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 6, 2018 |
| Property Address | 714 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 0000000095 |
| Book / Page | 011265 / 000589 |
| Instrument Date | Jan 30, 2018 |
| Instrument | 95 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2018 |
| Title Company | TITLE GUARANTY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 525 BATTERY PL #9 CHATTANOOGA TN 374031249, 9, CHATTANOOGA, TN 37403-1249 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 6, 2018 |
| Property Address | 714 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 0000000097 |
| Book / Page | 011265 / 000593 |
| Instrument Date | Jan 30, 2018 |
| Instrument | 97 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $185.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 525 BATTERY PL #9 CHATTANOOGA TN 374031249, 9, CHATTANOOGA, TN 37403-1249 |
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 | $2,518.00 (+1.49%) | $166,175 (+49.81%) | $664,700 (+49.81%) Land $125,000 Building $539,700 |
| 2024 | $2,481.00 | $110,925 (-) | $443,700 (-) Land $70,000 Building $373,700 |
| 2023 | $2,481.00 | $110,925 (-) | $443,700 (-) Land $70,000 Building $373,700 |
| 2022 | $2,481.00 | $110,925 | $443,700 Land $70,000 Building $373,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures