Hamilton County property record for 821 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,056 sqft · built 1938 |
| Lot Size | 0.212 acres (9,259 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,500 (Nov 2025) |
| Tax Bill | $1,219 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2025 Sale & Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 126N K 008 |
| Primary APN | 126N K 008 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,259 sqft (0.212 acres) |
| Lot Dimensions | 174 ft deep x 53 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000050449 |
|---|---|
| Street Address | 821 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | PT LT 91-93 NORTH CHATT LAND CO PB 1 PG 28 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 91-93 |
| 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.
821 Spears Ave is owned by two individuals who bought it in November 2025.
Source: Hamilton County records, as of June 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 205 TALLANT RD, MC DONALD, TN 37353-5510 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 28, 2026 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Nov 25, 2025 | Warranty Deed, Construction Loan · Construction Mortgage SMARTBANK |
| Dec 14, 2023 | Warranty Deed, Transfer UNKNOWN, NORTHSHORE T&E LLC |
| Feb 3, 2022 | Intrafamily Transfer, Transfer RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2025 · Amount on File |
| Deed Sale | Nov 25, 2025 · Amount on File |
| Prior Sale | Dec 14, 2023 · Amount on File |
| Deed Document Number | 2025303 |
| Deed Book / Page | 14119 / 487 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 28, 2026 |
| Property Address | 821 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000014 |
| Book / Page | 14382 / 604 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202614 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Title Company | CITY TITLE, BRIDGE CITY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195,071.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 821 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000015, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 14382/608 |
| Instrument | 2026072815 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 25, 2025 |
| Property Address | 821 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000303 |
| Book / Page | 14119 / 487 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 2025112500303 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 5, 2025 |
| Title Company | FIRST CHOICE TITLE, FIRST CHOICE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 205 TALKNT ROAD, MC DONALD, TN 37353 |
| Document Number | 0014119489 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 14119/489 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 12.2% |
| Index | SOFR Average 30-Day |
| Max Rate | 12.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 14, 2023 |
| Property Address | 821 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000009 |
| Book / Page | 13470 / 151 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Dec 13, 2023 |
| Instrument | 2023121400009 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | UNKNOWN, NORTHSHORE T&E LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $740.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 TREMONT ST, CHATTANOOGA, TN 37405-4179 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 3, 2022 |
| Property Address | 821 SPEARS AVE, CHATTANOOGA, TN 37405-3538 |
| Document Number | 0000000246 |
| Book / Page | 12833 / 694 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Feb 3, 2022 |
| Instrument | 2022020300246 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | RINEY TITLE AND ESCROW LLC, KEY TITLE & ESCROW LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 821 SPEARS AVE # 110, 110, CHATTANOOGA, TN 37405-3538 |
The 2025 property tax bill for 821 Spears Ave was $1,219, up 4.4% from the year before.
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 | $1,219.00 (+4.37%) | $80,450 (+53.97%) | $321,800 (+53.97%) Land $125,000 Building $196,800 |
| 2024 | $1,168.00 (+65.91%) | $52,250 (+65.87%) | $209,000 (+65.87%) Land $70,000 Building $139,000 |
| 2023 | $704.00 | $31,500 (-) | $126,000 (-) Land $70,000 Building $56,000 |
| 2022 | $704.00 | $31,500 | $126,000 Land $70,000 Building $56,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 821 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 821 Spears Ave is low, with less than a 0.01% annual chance of wildfire.
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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