For sale

$389,000

1109 Spears Ave, Chattanooga, TN 37405

1beds

900sqft

$2,271/mo

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Single Family Residence

Built in 1930

0.38 Acres Lot

$250,800 Zestimate^®

$432/sqft

$-- HOA

What's special

Investors, here you go!! Three parcels in North Chattanooga Sold Together! An opportunity that is very rare!! 1203 Spears Ave and 1191 Spears Ave included in Sale. Generate revenue with the existing home through rental or primary residence for owner. All the while capitalizing on the two additional Parcels of Land in North Chattanooga! This home is updated very nicely and ready to move in. Higher ceilings, flooring and soothing paint colors invite you in. The Open floor plan makes wonderful use of this home's space. It features a private covered deck constructed and enclosed for additional living space. The potential here is huge with the two extra parcels. Call to set an appointment to see. Imagine your possibilities!

15 days

238

20

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 1
Bathrooms: 1
Full bathrooms: 1

Bedroom

Level: First

Bathroom

Level: First

Kitchen

Level: First

Living room

Level: First

Heating

Hot Water, Space Heater

Cooling

Window Unit(s)

Appliances

Included: Exhaust Fan, Free-Standing Electric Range, Water Heater
Laundry: Main Level

Features

Ceiling Fan(s), Eat-in Kitchen, High Ceilings, Open Floorplan, Primary Downstairs, Tub/shower Combo
Flooring: Hardwood, Laminate, Luxury Vinyl, Varies, Wood
Windows: Vinyl Frames
Basement: Crawl Space,Partial,Unfinished
Has fireplace: No

Interior area

Total structure area: 900
Total interior livable area: 900 sqft
Finished area above ground: 900

Property

Parking

Parking features: Off Street

Features

Levels: One
Patio & porch: Covered, Deck, Enclosed, Front Porch, Porch, Side Porch, Porch - Covered
Exterior features: Private Yard

Lot

Size: 0.38 Acres
Dimensions: 55 x 50
Features: City Lot, Gentle Sloping, Many Trees, Rolling Slope, Sloped Down, Subdivided, Wooded

Details

Additional structures: None
Additional parcels included: Lot 95 Spears Subof Hill City
Parcel number: 126n E 004
Special conditions: Investor
Other equipment: None

Construction

Type & style

Home type: SingleFamily
Architectural style: Contemporary
Property subtype: Single Family Residence

Materials

Vinyl Siding
Foundation: Brick/Mortar, Combination, Stone
Roof: Shingle

Condition

Updated/Remodeled
New construction: No
Year built: 1930

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Cable Available, Electricity Connected, Sewer Available

Community & HOA

Community

Subdivision: None

HOA

Has HOA: No

Location

Region: Chattanooga

Financial & listing details

Price per square foot: $432/sqft
Tax assessed value: $208,700
Annual tax amount: $1,797
Date on market: 7/23/2026
Listing terms: Cash,Conventional

Estimated market value

$250,800

$211,000 - $293,000

$1,479/mo

Price history

Date	Event	Price
7/23/2026	Listed for sale	$389,000+36.5%$432/sqft
Source: Greater Chattanooga Realtors #1538371 Report a problem
7/28/2021	Sold	$285,000+2750%$317/sqft
Source: Greater Chattanooga Realtors #1334497 Report a problem
3/23/2005	Sold	$10,000$11/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$791 +56.8%	$52,175 +131.4%
2024	$505	$22,550
2023	$505	$22,550
2022	$505	$22,550
2021	$505 -1.1%	$22,550 +22.2%
2020	$510	$18,450
2019	$510	$18,450
2018	$510 -51.7%	$18,450
2017	$1,057 +55.8%	$18,450
2016	$678	--
2015	$678	$11,100
2014	$678 +340.1%	--
2013	$154	$6,900 +23.8%
2012	$154	$5,575
2011	$154	$5,575
2010	$154	$5,575
2009	$154	$5,575 +21.2%
2008	--	$4,600
2007	--	$4,600
2006	--	$4,600
2005	--	$4,600 +15%
2004	--	$4,000
2003	--	$4,000
2002	--	$4,000
2001	--	$4,000 +73.9%
2000	--	$2,300

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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Climate risks

Neighborhood: Hill City

Getting around

38 / 100

Car-Dependent

0 / 100

No Nearby Transit

44 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

4/10
Red Bank Elementary School
Grades: PK-5Distance: 2.5 mi
5/10
Red Bank Middle School
Grades: 6-8Distance: 3.1 mi
5/10
Red Bank High School
Grades: 9-12Distance: 3.2 mi

Schools provided by the listing agent

Elementary: Red Bank Elementary
Middle: Red Bank Middle
High: Red Bank High School

Source: Greater Chattanooga Realtors. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.