Hamilton County property record for 716 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,025 sqft · built 2003 |
| Lot Size | 0.181 acres (7,900 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,000 (May 2019) |
| Tax Bill | $1,145 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jan 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135D A 019 |
| Primary APN | 135D A 019 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,025 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| 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 | 0000059125 |
|---|---|
| Street Address | 716 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 75 NORTH CHATT LAND CO ADDN TO HILL CITY PB 1 PG 28 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 75 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 716 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Jan 26, 2024 | Deed of Trust, Mortgage · Line of Credit TRUST FCU |
| Jan 19, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST TENNESSEE BANK NA |
| May 13, 2019 | Warranty Deed, Transfer · FHA Mortgage RELIANT BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2019 · Amount on Record |
| Deed Sale | May 13, 2019 · Amount on Record |
| Prior Sale | Sep 4, 2013 · Amount on Record |
| Deed Document Number | 2019221 |
| Deed Book / Page | 11639 / 480 |
| Prior Transfer Date | Nov 11, 2002 |
| Prior Transfer Doc | 6440534 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 716 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000158 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 12367/720 |
| Instrument | 2021022400158 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 716 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000112 |
|---|---|
| Date | Jan 26, 2024 |
| Book Page | 13498/428 |
| Instrument | 2024012600112 |
| Name | TRUST FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 213 Months |
| Due | Oct 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 716 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000050 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 11251/987 |
| Instrument | 2018011900050 |
| Name | FIRST TENNESSEE BANK NA |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37405 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 16, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 13, 2019 |
| Property Address | 716 SPEARS AVE, CHATTANOOGA, TN 37405-3537 |
| Document Number | 0513000221 |
| Book / Page | 011639 / 000480 |
| Instrument Date | May 10, 2019 |
| Instrument | 190513000221 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2019 |
| Title Company | FIRST CHOICE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $736.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 716 SPEARS AVE CHATTANOOGA TN 374053537, CHATTANOOGA, TN 37405-3537 |
| Document Number | 513000222 |
|---|---|
| Date | May 13, 2019 |
| Book Page | 011639/000482 |
| Instrument | 190513000222 |
| Name | RELIANT BK |
|---|---|
| Type | Bank |
| Address | BRENTWOOD, TN 37027 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 12, 2049 |
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 | $1,145.00 (+10.52%) | $75,600 (+63.11%) | $302,400 (+63.11%) Land $125,000 Building $177,400 |
| 2024 | $1,036.00 | $46,350 (-) | $185,400 (-) Land $70,000 Building $115,400 |
| 2023 | $1,036.00 | $46,350 (-) | $185,400 (-) Land $70,000 Building $115,400 |
| 2022 | $1,036.00 | $46,350 | $185,400 Land $70,000 Building $115,400 |
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.
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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