Hamilton County property record for 1041 Ridgetop Dr, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,486 sqft · built 1965 |
| Lot Size | 0.573 acres (25,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Oct 2020) |
| Tax Bill | $1,475 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 170C A 011 |
| Primary APN | 170C A 011 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,486 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 25,000 sqft (0.573 acres) |
| Lot Dimensions | 250 ft deep x 100 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000116521 |
|---|---|
| Street Address | 1041 RIDGETOP DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-4053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 13 BLK D AUDUBON HILLS PB 15 PG 111 |
| Legal Subdivision | AUDUBON HILLS |
| Legal Block | D |
| Legal Lot Number | 13 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 11446 |
Source: Hamilton County records, as of December 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1041 RIDGETOP DR, CHATTANOOGA, TN 37421-4053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 6, 2020 | Quit Claim Deed, Transfer TEAM TITLE LEGAL SVCS PLLC |
| Oct 6, 2020 | Warranty Deed, Transfer HOME PT FIN'L |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2020 · Amount on Record |
| Deed Sale | Oct 6, 2020 · Amount on Record |
| Prior Sale | Oct 6, 2020 |
| Deed Document Number | 2020100600353 |
| Deed Book / Page | 12182 / 179 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1041 RIDGETOP DR, CHATTANOOGA, TN 37421-4053 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000000140 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 12472/967 |
| Instrument | 2021050500140 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 6, 2020 |
| Property Address | 1041 RIDGETOP DR, CHATTANOOGA, TN 37421-4053 |
| Document Number | 1006000352 |
| Book / Page | 012182 / 000176 |
| Instrument Date | Oct 1, 2020 |
| Instrument | 201006000352 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | TEAM TITLE LEGAL SVCS PLLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1041 RIDGETOP DR CHATTANOOGA TN 374214053, CHATTANOOGA, TN 37421-4053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 6, 2020 |
| Property Address | 1041 RIDGETOP DR, CHATTANOOGA, TN 37421-4053 |
| Document Number | 1006000353 |
| Book / Page | 012182 / 000179 |
| Instrument Date | Oct 1, 2020 |
| Instrument | 201006000353 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2020 |
| Title Company | NTC - KEY W |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,129.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1041 RIDGETOP DR CHATTANOOGA TN 374214053, CHATTANOOGA, TN 37421-4053 |
| Document Number | 1006000354 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 012182/000182 |
| Instrument | 201006000354 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 5, 2050 |
| Document Number | 1007000104, |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 012182/000876 |
| Instrument | 201007000104 |
| Name | CHATTANOOGA NBRHD ENT |
|---|---|
| Address | CHATTANOOGA, TN 37408 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 5, 2050 |
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $1,475.00 (-8.44%) | $97,375 (+35.2%) | $389,500 (+35.2%) Land $59,500 Building $330,000 |
| 2024 | $1,611.00 | $72,025 (-) | $288,100 (-) Land $42,500 Building $245,600 |
| 2023 | $1,611.00 | $72,025 (-) | $288,100 (-) Land $42,500 Building $245,600 |
| 2022 | $1,611.00 | $72,025 | $288,100 Land $42,500 Building $245,600 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 12 (1994–2025) |
| Claims Outside the SFHA | 2 of 12 |
| Most Recent Claim | Aug 2025 · 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 63% of the US · above 53% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.06% 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 52 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 DSL | 100 / 20 |
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