Hamilton County property record for 107 Ridgeside Rd, Chattanooga, TN 37411
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 4,085 sqft · built 1933 |
| Lot Size | 0.523 acres (22,790 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,088 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 147I B 027 |
| Primary APN | 147I B 027 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,085 sqft Living Area |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 22,790 sqft (0.523 acres) |
| Lot Dimensions | 215 ft deep x 106 ft wide |
| Heating System | HVAC |
|---|---|
| Sewer | Connected |
| Account Number | 0000079478 |
|---|---|
| Street Address | 107 RIDGESIDE RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37411-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LT 24 25 SHEPHERD HILLS ADDN NO 1 PB8 PG31 |
| Legal Subdivision | SHEPHERD HILLS ADDN |
| Legal Lot Number | 24 25 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 6 |
| Census Block | 6006 |
| Census Tract | 3300 |
107 Ridgeside Rd is owned and occupied by two individuals who acquired it in April 2017.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 107 RIDGESIDE RD, CHATTANOOGA, TN 37411-1830 |
| 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.
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jul 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG |
| Mar 29, 2018 | Deed of Trust, Mortgage · Line of Credit JG WENTWORTH HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2017 |
| Deed Sale | Apr 19, 2017 |
| Deed Document Number | 2017041900029 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 107 RIDGESIDE RD, CHATTANOOGA, TN 37411-1830 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000057 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 12371/545 |
| Instrument | 2021022600057 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 163 Months |
| Due | Sep 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 107 RIDGESIDE RD, CHATTANOOGA, TN 37411-1830 |
| Document Number | 0816000213 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 107 RIDGESIDE RD CHATTANOOGA TN 374111830, CHATTANOOGA, TN 37411-1830 |
| Document Number | 0816000213 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 011731/000628 |
| Instrument | 190816000213 |
| Name | JG WENTWORTH HM LNDG |
|---|---|
| Address | WOODBRIDGE, VA 22192 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 15, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 107 RIDGESIDE RD, CHATTANOOGA, TN 37411-1830 |
| Document Number | 0000000060 |
| Instrument Date | Mar 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 107 RIDGESIDE RD CHATTANOOGA TN 374111830, CHATTANOOGA, TN 37411-1830 |
| Document Number | 0000000060 |
|---|---|
| Date | Apr 4, 2018 |
| Book Page | 011310/000653 |
| Instrument | 60 |
| Name | JG WENTWORTH HM LNDG |
|---|---|
| Address | WOODBRIDGE, VA 22192 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 3, 2033 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 107 Ridgeside Rd was $1,088, down 35.2% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Ridgeside City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,088.00 (-35.16%) | $71,800 (-4.3%) | $287,200 (-4.3%) Land $62,500 Building $224,700 |
| 2024 | $1,678.00 (-53.39%) | $75,025 (-) | $300,100 (-) Land $51,800 Building $248,300 |
| 2023 | $3,600.00 | $75,025 (-) | $300,100 (-) Land $51,800 Building $248,300 |
| 2022 | $3,600.00 | $75,025 | $300,100 Land $51,800 Building $248,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 Ridgeside Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 107 Ridgeside Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 50% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 227 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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