Hamilton County property record for 2039 Ruby St, Chattanooga, TN 37406
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,248 sqft · built 2000 |
| Lot Size | 0.279 acres (12,160 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $188,600 (Feb 2024) |
| Tax Bill | $742 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Feb 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 136L C 024 |
| Primary APN | 136L C 024 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,160 sqft (0.279 acres) |
| Lot Dimensions | 152 ft deep x 80 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000062524 |
|---|---|
| Street Address | 2039 RUBY ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37406-4534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C2 |
| Legal Description | LOT 2 CHARLES THOMPSON RESUB PB61 PG261 PB6 PG24 |
| Legal Subdivision | ROSS ADDN AMENDED |
| Legal Block | 2 |
| Legal Lot Number | 2&3 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 12200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Hamilton County assessment roll, as of January 2, 2026
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 File |
|---|---|
| Mailing Address | 2039 RUBY ST, CHATTANOOGA, TN 37406-4534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2025 | Deed of Trust, Mortgage · VA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Feb 1, 2024 | Warranty Deed, Transfer · VA Mortgage CHURCHILL MORTGAGE CORP |
| Apr 18, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage FIRST VOLUNTEER BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 1, 2024 · Amount on Record |
| Deed Sale | Feb 1, 2024 · Amount on Record |
| Prior Sale | Feb 11, 2005 · Amount on Record |
| Deed Document Number | 20240201123 |
| Deed Book / Page | 13502 / 974 |
| Prior Transfer Date | Feb 9, 2005 |
| Prior Transfer Doc | 0000000262 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2039 RUBY ST, CHATTANOOGA, TN 37406-4534 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2039 RUBY ST, CHATTANOOGA, TN 37406-4534 |
| Document Number | 0000000017 |
|---|---|
| Date | Apr 16, 2025 |
| Book Page | 13892/666 |
| Instrument | 2025041600017 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22031 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 1, 2024 |
| Property Address | 2039 RUBY ST, CHATTANOOGA, TN 37406-4534 |
| Document Number | 0000000123 |
| Book / Page | 13502 / 974 |
| Map Reference | MB 61 PG 261 |
| Instrument Date | Jan 31, 2024 |
| Instrument | 2024020100123 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $697.82 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2039 RUBY STREET, BRENTWOOD, TN 37027 |
| Document Number | 0000000124 |
|---|---|
| Date | Feb 1, 2024 |
| Instrument | 2024020100124 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 18, 2018 |
| Property Address | 2039 RUBY ST, CHATTANOOGA, TN 37406-4534 |
| Book / Page | 011323 / 000204 |
| Instrument Date | Mar 29, 2018 |
| Instrument | 165 |
| Transaction Type | Construction Loan |
| Record Updated | May 15, 2018 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7734 CAMELOT LN CHATTANOOGA TN 374212649, CHATTANOOGA, TN 37421-2649 |
| Document Number | 0000000165 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 011323/000204 |
| Instrument | 165 |
| Name | FIRST VOLUNTEER BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 17, 2019 |
Source: Hamilton County assessment roll, as of January 2, 2026
| 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 | $742.00 (+31.56%) | $49,000 (+94.25%) | $196,000 (+94.25%) Land $28,800 Building $167,200 |
| 2024 | $564.00 | $25,225 (-) | $100,900 (-) Land $8,600 Building $92,300 |
| 2023 | $564.00 | $25,225 (-) | $100,900 (-) Land $8,600 Building $92,300 |
| 2022 | $564.00 | $25,225 | $100,900 Land $8,600 Building $92,300 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1996–2010) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2010 · river or lake flooding |
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 96% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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 303 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 |
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