103 Ridgeway Dr, Chattanooga, TN 37415 Property Records

Hamilton County property record for 103 Ridgeway Dr, Chattanooga, TN 37415

Property Summary

Property Type	Single Family Home
Details	1 ba · 896 sqft · built 1930
Lot Size	0.209 acres (9,130 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (May 2026)
Tax Bill	$768 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`099O C 010`

Property Details

APN / Parcel Number

Primary APN	`099O C 010`
Alternative APN	`0000027651`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1975
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,130 sqft (0.209 acres)
Lot Dimensions	121 ft deep x 65 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000027651
Street Address	103 RIDGEWAY DR
City	CHATTANOOGA
State	TN
Zip	37415-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LOT 7 BLK 1 NORTH RED BANK HIGHLANDS PB11 PG1
Legal Subdivision	NORTH RED BANK HIGHL
Legal Block	1
Legal Lot Number	7
Jurisdiction	HAMILTON TN
Township / Civil Division	2
Census Block Group	1
Census Block	1006
Census Tract	10600

Owner

103 Ridgeway Dr is owned and occupied by an individual who bought it in May 2026.

Source: Hamilton County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	103 RIDGEWAY DR, CHATTANOOGA, TN 37415-1823
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on File
Deed Sale	May 29, 2026 · Amount on File
Deed Document Number	2026052947
Deed Book / Page	14314 / 682
Record Updated	Sep 20, 2026

May 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	HAMILTON TN
Recording Date	May 29, 2026
Property Address	103 RIDGEWAY DR, CHATTANOOGA, TN 37415-1823
Document Number	0000000047
Book / Page	14314 / 682
Instrument Date	May 26, 2026
Instrument	202647
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,608.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RIDGEWAY DR, CHATTANOOGA, TN 37415-1823

Mortgage

Document Number	0000000048,
Date	May 29, 2026
Book Page	14314/686
Instrument	202648

Lender

Name	CANOPY MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.64%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 103 Ridgeway Dr was $768, up 2% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Red Bank City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$768.00 (+1.99%)	$50,700 (+50.45%)	$202,800 (+50.45%) Land $70,000 Building $132,800
2024	$753.00 (-42.78%)	$33,700 (-)	$134,800 (-) Land $50,000 Building $84,800
2023	$1,316.00 (+17.08%)	$33,700 (-)	$134,800 (-) Land $50,000 Building $84,800
2022	$1,124.00	$33,700	$134,800 Land $50,000 Building $84,800

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.

Flood

FEMA maps place 103 Ridgeway Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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
Nearby Flood Claims	1 (1980)
Most Recent Claim	Mar 1980 · rainfall accumulation

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

Wildfire risk around 103 Ridgeway Dr is low, with 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 97% of the US · lower than 97.5% of Tennessee
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HIXSON UTILITY DISTRICT serves 68,306 people · EPA ID TN0000303
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20