Hamilton County property record for 807 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 720 sqft · built 1950 |
| Lot Size | 0.131 acres (5,735 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $326,000 (Dec 2025) |
| Tax Bill | $937 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Jul 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 126N M 004 |
| Primary APN | 126N M 004 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,735 sqft (0.131 acres) |
| Lot Dimensions | 114 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 375 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000050469 |
|---|---|
| Street Address | 807 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 99 NORTH CHATT LAND CO PB1 PG28 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 99 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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 13, 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 | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2025 | Warranty Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Jul 6, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS NATIONAL BANK |
| Aug 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Dec 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Apr 14, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Feb 11, 2021 | Warranty Deed, Transfer RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2025 · Amount on Record |
| Deed Sale | Dec 22, 2025 · Amount on Record |
| Prior Sale | Aug 15, 2023 · Amount on Record |
| Deed Document Number | 2025231 |
| Deed Book / Page | 14146 / 99 |
| Prior Transfer Date | Apr 14, 2021 |
| Prior Transfer Doc | 0000000275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 22, 2025 |
| Property Address | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000231 |
| Book / Page | 14146 / 99 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2025122200231 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000000207 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 12555/145 |
| Instrument | 2021070600207 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 15, 2023 |
| Property Address | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000137 |
| Book / Page | 13372 / 776 |
| Map Reference | MB 1 PG 26 |
| Instrument Date | Aug 15, 2023 |
| Instrument | 2023081500137 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,202.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000138 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 2023081500138 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 14, 2021 |
| Property Address | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000118 |
| Book / Page | 12770 / 793 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Dec 13, 2021 |
| Instrument | 2021121400118 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE INSURANCE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 155 WEST 18TH STREET, SAVANNAH, GA 31405 |
| Document Number | 0012770796 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 12770/796 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 14, 2021 |
| Property Address | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000275 |
| Book / Page | 12445 / 96 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Apr 14, 2021 |
| Instrument | 2021041400275 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 DRUID LN, CHATTANOOGA, TN 37405-4039 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 11, 2021 |
| Property Address | 807 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000261 |
| Book / Page | 12352 / 990 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Feb 5, 2021 |
| Instrument | 2021021100261 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $351.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1806 E 13TH ST, CHATTANOOGA, TN 37404-4310 |
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 | $937.00 (+10.76%) | $61,875 (+63.58%) | $247,500 (+63.58%) Land $125,000 Building $122,500 |
| 2024 | $846.00 | $37,825 (-) | $151,300 (-) Land $70,000 Building $81,300 |
| 2023 | $846.00 | $37,825 (-) | $151,300 (-) Land $70,000 Building $81,300 |
| 2022 | $846.00 | $37,825 | $151,300 Land $70,000 Building $81,300 |
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 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.
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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