Hamilton County property record for 2040 Ruby St, Chattanooga, TN 37406
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,064 sqft · built 2006 |
| Lot Size | 0.111 acres (4,870 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $106,000 (Dec 2023) |
| Tax Bill | $661 (2025) |
| Deeds & Mortgages | Jun 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 136L B 017 |
| Primary APN | 136L B 017 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,870 sqft (0.111 acres) |
| Lot Dimensions | 159 ft deep x 118 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000062502 |
|---|---|
| Street Address | 2040 RUBY ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37406-4533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C2 |
| Legal Description | LT 1 BLK 5 AMENDED ROSS ADDN PB6 PG24 |
| Legal Subdivision | ROSS ADDN AMENDED |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3000 |
| 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 records, as of March 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2040 RUBY ST, CHATTANOOGA, TN 37406-4533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on Record |
| Deed Sale | Dec 28, 2023 · Amount on Record |
| Prior Sale | Mar 12, 2010 · Amount on Record |
| Deed Document Number | 2023135 |
| Deed Book / Page | 13480 / 388 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2040 RUBY ST, CHATTANOOGA, TN 37406-4533 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | EQUI TITLE INC, EQUITITLE INC |
| Name | Verified Name |
|---|---|
| Address | 555 MAINE AVE, LONG BEACH, CA 90802-1164 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000059 |
|---|---|
| Date | Jun 24, 2024 |
| Book Page | 13629/66 |
| Instrument | 2024062400059 |
| Name | BANK OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, TN 37311 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
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 | $661.00 (+13.57%) | $43,650 (+67.72%) | $174,600 (+67.72%) Land $28,800 Building $145,800 |
| 2024 | $582.00 | $26,025 (-) | $104,100 (-) Land $8,600 Building $95,500 |
| 2023 | $582.00 | $26,025 (-) | $104,100 (-) Land $8,600 Building $95,500 |
| 2022 | $582.00 | $26,025 | $104,100 Land $8,600 Building $95,500 |
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 Claims | 1 (2009) |
| Most Recent Claim | Sep 2009 · 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.
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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