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802 Spears Ave, Chattanooga, TN 37405 Property Records

Hamilton County property record for 802 Spears Ave, Chattanooga, TN 37405

Property Summary

Property TypeSingle Family Home
Details1 ba · 790 sqft · built 1910
Lot Size0.116 acres (5,056 sqft)
OwnerIndividual Name on File
Last Sale$314,125 (Aug 2021)
Tax Bill$980 (2025)
Deeds & MortgagesJul 2022 Mortgage
Aug 2021 Transfer
+ 5 more
Flood ZoneZone X (minimal risk)
APN126M C 010

Property Details

APN / Parcel Number

Primary APN126M C 010
Alternative APN
  • 0000049990

Interior

Full Baths1 Bath
Stories1 Story
Building Area790 sqft Living Area

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Exterior MaterialVinyl
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,056 sqft (0.116 acres)
Lot Dimensions158 ft deep x 32 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000049990
Street Address802 SPEARS AVE
CityCHATTANOOGA
StateTN
Zip37405-3539
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionLT PT 80 NORTH CHATT LAND CO PB 2 PG 28
Legal SubdivisionNORTH CHATT LAND CO
Legal Lot Number80
JurisdictionHAMILTON TN
Township / Civil Division6
Census Block Group1
Census Block1006
Census Tract800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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

802 Spears Ave is owned and occupied by an individual who bought it in August 2021.

Source: Hamilton County records, as of July 13, 2026

Owner of RecordIndividual Name on File
Mailing Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2022Deed of Trust, Mortgage · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Aug 4, 2021Quit Claim Deed, Transfer
RP TITLE AND ESCROW LLC, RUDY TITLE & ESCROW LLC
Aug 4, 2021Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Aug 4, 2021Quit Claim Deed, Transfer
Quitclaim
Oct 14, 2020Quit Claim Deed, Transfer
RUDY TITLE AND ESCROW, RUDY TITLE & ESCROW
Mar 27, 2020Warranty Deed, Construction Loan · Line of Credit
PRIVATE INDIVIDUAL
Aug 21, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 4, 2021 · Amount on File
Deed SaleAug 4, 2021 · Amount on File
Prior SaleAug 4, 2021
Deed Document Number202169
Deed Book / Page12595 / 381
Prior Transfer DateJul 10, 2019
Prior Transfer Doc0821000264
Record UpdatedSep 20, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539
Transaction TypeMortgage
Record UpdatedSep 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000179
DateJul 27, 2022
Book Page13039/933
Instrument2022072700179
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2052

August 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateAug 4, 2021
Property Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539
Document Number0000000068
Book / Page12595 / 379
Map ReferenceMB 1 PG 28
Instrument DateAug 2, 2021
Instrument2021080400068
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyRP TITLE AND ESCROW LLC, RUDY TITLE & ESCROW LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateAug 4, 2021
Property Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539
Document Number0000000069
Book / Page12595 / 381
Map ReferenceMB 1 PG 28
Instrument DateJul 30, 2021
Instrument2021080400069
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyRP TITLE AND ESCROW LLC, RUDY TITLE & ESCROW LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,162.26
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539

Mortgage

Document Number0012595383
DateAug 4, 2021
Instrument12595/383
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2051

August 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateAug 4, 2021
Property Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539
Document Number0000000067
Book / Page12595 / 377
Map ReferenceMB 1 PG 28
Instrument DateJul 23, 2021
Instrument2021080400067
Transaction TypeTransfer
Record UpdatedSep 25, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3237 LAKESHORE DR # A, A, OLD HICKORY, TN 37138-2212

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateOct 14, 2020
Property Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539
Document Number1014000148
Book / Page012190 / 000643
Instrument DateOct 12, 2020
Instrument201014000148
Transaction TypeTransfer
Record UpdatedOct 29, 2020
Title CompanyRUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3237 LAKESHORE DR #A OLD HICKORY TN 371382212, A, OLD HICKORY, TN 37138-2212

March 2020: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateMar 27, 2020
Property Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539
Document Number0327000047
Book / Page011950 / 000752
Instrument DateMar 24, 2020
Instrument200327000047
Transaction TypeConstruction Loan
Record UpdatedJun 17, 2020
Title CompanyRUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$222.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3237 LAKESHORE DR #A OLD HICKORY TN 371382212, A, OLD HICKORY, TN 37138-2212

Mortgage

Document Number327000048
DateMar 27, 2020
Book Page011950/000754
Instrument200327000048
Lender
NamePRIVATE INDIVIDUAL
TypePrivate Party
AddressNASHVILLE, TN 37216
Agreement
TypeLine of Credit
AmountAmount on Record
Term12 Months
DueMar 26, 2021
Interest
Rate TypeAdjustable Rate

August 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateAug 21, 2019
Property Address802 SPEARS AVE, CHATTANOOGA, TN 37405-3539
Document Number0821000264
Book / Page011736 / 000080
Instrument DateJul 10, 2019
Instrument190821000264
Transaction TypeTransfer
Record UpdatedSep 12, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address802 SPEARS AVE CHATTANOOGA TN 374053539, CHATTANOOGA, TN 37405-3539

Tax Assessment & Valuation

The 2025 property tax bill for 802 Spears Ave was $980, up 4.8% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$980.00 (+4.81%)$64,675 (+54.72%)$258,700 (+54.72%) Land $125,000 Building $133,700
2024$935.00$41,800 (-)$167,200 (-) Land $70,000 Building $97,200
2023$935.00$41,800 (-)$167,200 (-) Land $70,000 Building $97,200
2022$935.00$41,800$167,200 Land $70,000 Building $97,200

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

FEMA maps place 802 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 17 policies
Nearby Flood Policies17 in force
Nearby Flood Claims8 (1978–2009)
Claims Outside the SFHA1 of 8
Most Recent ClaimSep 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

Wildfire risk around 802 Spears Ave is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 93% of Tennessee
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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