722 Spears Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 722 Spears Ave, Chattanooga, TN 37405

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,058 sqft · built 1920
Lot Size	0.202 acres (8,800 sqft)
Owner	Individual Name on Record
Last Sale	$184,900 (Jun 2020)
Tax Bill	$1,467 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135D A 021`

Property Details

APN / Parcel Number

Primary APN	`135D A 021`
Alternative APN	`0000059127`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,058 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1983
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	88 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000059127
Street Address	722 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 PT 77 78 NORTH CHATT LAND CO PB 1 PG 28
Legal Subdivision	NORTH CHATT LAND CO
Legal Lot Number	77
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1015
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 December 31, 2025

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	40 PEAK ST, CHATTANOOGA, TN 37405-3524
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2020 · Amount on Record
Deed Sale	Jun 9, 2020 · Amount on Record
Prior Sale	Aug 19, 2004 · Amount on Record
Deed Document Number	0012030443
Deed Book / Page	12030 / 443
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jun 9, 2020
Property Address	722 SPEARS AVE, CHATTANOOGA, TN 37405-3537
Document Number	0609000230
Book / Page	012030 / 000443
Instrument Date	Jun 9, 2020
Instrument	200609000230
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$684.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 PEAK ST CHATTANOOGA TN 374053524, CHATTANOOGA, TN 37405-3524

Mortgage

Document Number	609000231
Date	Jun 9, 2020
Book Page	012030/000446
Instrument	200609000231

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

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	$1,467.00 (+44.39%)	$96,825 (+113.04%)	$387,300 (+113.04%) Land $187,500 Building $199,800
2024	$1,016.00	$45,450 (-)	$181,800 (-) Land $105,000 Building $76,800
2023	$1,016.00	$45,450 (-)	$181,800 (-) Land $105,000 Building $76,800
2022	$1,016.00	$45,450	$181,800 Land $105,000 Building $76,800

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.

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 93% of the US · lower than 93% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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