Contingent

$519,000

821 Spears Ave, Chattanooga, TN 37405

3beds

1,840sqft

$2,961/mo

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Single Family Residence

Built in 1938

8,712 Square Feet Lot

$509,900 Zestimate^®

$282/sqft

$-- HOA

What's special

New roof

Beautifully restored 3-bedroom, 2.5-bath home within walking distance of Chattanooga's North Shore! Located in highly desirable Hill City, this home is just steps from Stringer's Ridge Park, a 92-acre wooded park in the heart of North Chattanooga featuring walking, running, and mountain biking trails. The house was completely restored in 2025, with updates including a new roof, HVAC system, electrical, plumbing, and windows. Walkable locations are hard to find in Southern cities, but this home is just a half-mile from the local Publix and less than a mile from dozens of shops, restaurants, bars, and coffee shops along Cherokee Boulevard and Frazier Avenue. This is a rare opportunity to buy a beautifully remodeled, low-maintenance home in an established, downtown neighborhood. Schedule your showing today! (Information is deemed reliable but not guaranteed. Buyer should verify any information of concern, including but not limited to schools and square footage).

48 days

226

6

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 3
Full bathrooms: 2
1/2 bathrooms: 1

Primary bedroom

Level: First

Bedroom

Level: First

Bedroom

Level: First

Bathroom

Description: Full Bathroom
Level: First

Dining room

Level: First

Living room

Level: First

Heating

Central, Electric

Cooling

Central Air, Electric

Appliances

Included: Dishwasher, Electric Water Heater, Free-Standing Gas Range, Refrigerator

Features

Open Floorplan, Primary Downstairs, Soaking Tub
Basement: Crawl Space
Has fireplace: No

Interior area

Total structure area: 1,840
Total interior livable area: 1,840 sqft
Finished area above ground: 1,840

Property

Parking

Parking features: Off Street

Features

Levels: One
Patio & porch: Porch, Porch - Covered
Exterior features: None
Fencing: Fenced

Lot

Size: 8,712 Square Feet
Dimensions: 53 x 174.7

Details

Parcel number: 126n K 008

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

HardiPlank Type
Foundation: Block
Roof: Shingle

Condition

Updated/Remodeled
New construction: No
Year built: 1938

Utilities & green energy

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

Community & HOA

Community

Subdivision: North Chatt Land Co

HOA

Has HOA: No

Location

Region: Chattanooga

Financial & listing details

Price per square foot: $282/sqft
Tax assessed value: $321,800
Annual tax amount: $2,772
Date on market: 6/5/2026
Listing terms: Cash,Conventional,FHA,VA Loan

Estimated market value

$509,900

$484,000 - $535,000

$2,562/mo

Price history

Date	Event	Price
6/13/2026	Contingent	$519,000$282/sqft
Source: Greater Chattanooga Realtors #1536176 Report a problem
6/5/2026	Listed for sale	$519,000+59.9%$282/sqft
Source: Greater Chattanooga Realtors #1536176 Report a problem
11/25/2025	Sold	$324,500+62.3%$176/sqft
Source: Public Record Report a problem
12/13/2023	Sold	$200,000-13%$109/sqft
Source: Greater Chattanooga Realtors #1383157 Report a problem
11/30/2023	Pending sale	$230,000$125/sqft
Source: Greater Chattanooga Realtors #1383157 Report a problem
11/21/2023	Listed for sale	$230,000$125/sqft
Source: RCAR #20238220 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$1,219 +4.3%	$80,450 +54%
2024	$1,169 +65.9%	$52,250 +65.9%
2023	$705	$31,500
2022	$705	$31,500
2021	$705 -6.1%	$31,500 +16%
2020	$751	$27,150
2019	$751	$27,150
2018	$751 -49.8%	$27,150
2017	$1,495 +44.5%	$27,150
2016	$1,035	--
2015	$1,035	$18,125
2014	$1,035 +24.4%	--
2013	$832	$18,125 +10.5%
2012	$832	$16,400
2011	$832	$16,400
2010	$832 +7.9%	$16,400
2009	$771	$16,400 +23.8%
2008	--	$13,250
2007	--	$13,250
2006	--	$13,250
2005	--	$13,250 +14%
2004	--	$11,625
2003	--	$11,625
2002	--	$11,625
2001	--	$11,625 +39.2%
2000	--	$8,350

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

56 / 100

Somewhat Walkable

21 / 100

Minimal Transit

56 / 100

Bikeable

Nearby schools

GreatSchools rating

4/10
Red Bank Elementary School
Grades: PK-5Distance: 2.7 mi
5/10
Red Bank Middle School
Grades: 6-8Distance: 3.3 mi
5/10
Red Bank High School
Grades: 9-12Distance: 3.4 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.