Hamilton County property record for 812 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,236 sqft · built 1910 |
| Lot Size | 0.206 acres (9,006 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $105,000 (Jul 2017) |
| Tax Bill | $2,082 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 126M C 014 |
| Primary APN | 126M C 014 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,236 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,006 sqft (0.206 acres) |
| Lot Dimensions | 158 ft deep x 57 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000049994 |
|---|---|
| Street Address | 812 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 84 PT 83 NORTH CHATT LAND CO PB 1 PG 28 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 84 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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 December 31, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 812 SPEARS AVE, CHATTANOOGA, TN 37405-3539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Jul 26, 2019 | Deed of Trust, Mortgage · Line of Credit FIRSTBANK |
| Jul 19, 2017 | Warranty Deed, Transfer · Conventional with PMI FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2017 · Amount on Record |
| Deed Sale | Jul 19, 2017 · Amount on Record |
| Deed Document Number | 2017071900105 |
| Deed Book / Page | 11105 / 665 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 812 SPEARS AVE, CHATTANOOGA, TN 37405-3539 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | JONES RAULSTON TITLE INSURANCE AGENCY, JONES TITLE INS AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000000417 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 12814/253 |
| Instrument | 2022011800417 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | 37004 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 812 SPEARS AVE, CHATTANOOGA, TN 37405-3539 |
| Document Number | 0805000108 |
| Instrument Date | Jul 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 812 SPEARS AVE CHATTANOOGA TN 374053539, CHATTANOOGA, TN 37405-3539 |
| Document Number | 0805000108 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | 011719/000234 |
| Instrument | 190805000108 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 4, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 19, 2017 |
| Property Address | 812 SPEARS AVE, CHATTANOOGA, TN 37405-3539 |
| Document Number | 0000000105 |
| Book / Page | 011105 / 000665 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 105 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $388.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 812 SPEARS AVE CHATTANOOGA TN 374053539, CHATTANOOGA, TN 37405-3539 |
| Document Number | 106 |
|---|---|
| Date | Jul 19, 2017 |
| Book Page | 011105/000667 |
| Instrument | 106 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 18, 2032 |
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $2,082.00 (-5.06%) | $137,400 (+40.17%) | $549,600 (+40.17%) Land $143,800 Building $405,800 |
| 2024 | $2,193.00 (+144.75%) | $98,025 (+144.76%) | $392,100 (+144.76%) Land $80,500 Building $311,600 |
| 2023 | $896.00 | $40,050 (-) | $160,200 (-) Land $80,500 Building $79,700 |
| 2022 | $896.00 | $40,050 | $160,200 Land $80,500 Building $79,700 |
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 99.8% of the US · lower than 99.8% 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 282 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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