Hamilton County property record for 818 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,118 sqft · built 1915 |
| Lot Size | 0.181 acres (7,900 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,045 (2025) |
| Deeds & Mortgages | Aug 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 126M C 017 |
| Primary APN | 126M C 017 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,118 sqft Living Area |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,900 sqft (0.181 acres) |
| Lot Dimensions | 158 ft deep x 50 ft wide |
| Heating System | Gravity Furnace |
|---|---|
| Sewer | Connected |
| Account Number | 0000049997 |
|---|---|
| Street Address | 818 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 0029 19 21 LT 87 NORTH CHATT LAND CO PB 2 PG 28 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 87 |
| 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 March 25, 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 | 818 SPEARS AVE, CHATTANOOGA, TN 37405-3539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 8, 2024 |
| Transfer Doc | 0000000035 |
| Record Updated | Jun 8, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 5, 2024 |
| Property Address | 818 SPEARS AVE, CHATTANOOGA, TN 37405-3539 |
| Document Number | 0000000035 |
| Book / Page | 13667 / 898 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Jul 30, 2024 |
| Instrument | 2024080500035 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 818 SPEARS AVE, CHATTANOOGA, TN 37405-3539 |
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 | $1,045.00 (+35.36%) | $68,950 (+99.71%) | $275,800 (+99.71%) Land $125,000 Building $150,800 |
| 2024 | $772.00 | $34,525 (-) | $138,100 (-) Land $70,000 Building $68,100 |
| 2023 | $772.00 | $34,525 (-) | $138,100 (-) Land $70,000 Building $68,100 |
| 2022 | $772.00 | $34,525 | $138,100 Land $70,000 Building $68,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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