2095 Ridge Rd, Dunlap, TN 37327 Property Records

Sequatchie County property record for 2095 Ridge Rd, Dunlap, TN 37327

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,230 sqft · built 1960
Lot Size	4.1 acres (178,596 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Mar 2021)
Tax Bill	$1,754 (2023)
Deeds & Mortgages	Mar 2026 Line of Credit Nov 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`077054D A 00300`

Property Details

APN / Parcel Number

Primary APN	`077054D A 00300`
Alternative APN	`054D A 00300`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,230 sqft Living Area
1st Floor Area	2,230 sqft
Basement Area	1,480 sqft
Unfinished Basement	1,480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1992
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	178,596 sqft (4.1 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	475 sqft
Carport	Carport
Carport Area	475 sqft
Driveway	Driveway
Driveway Area	2,250 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	2095 RIDGE RD
City	DUNLAP
State	TN
Zip	37327-7749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 4; SUBDIVISION: JEANETTE GIBBS
Legal Subdivision	JEANETTE GIBBS
Legal Lot Number	1
Jurisdiction	SEQUATCHIE TN
Township / Civil Division	7
Census Block Group	1
Census Block	1023
Census Tract	60104

Owner

2095 Ridge Rd is owned and occupied by two individuals who acquired it in October 2025.

Source: Sequatchie County records, as of April 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2095 RIDGE RD, DUNLAP, TN 37327-7749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS TRI-COUNTY BANK
Nov 4, 2025	Quit Claim Deed, Transfer Quitclaim
Mar 23, 2021	Warranty Deed, Transfer · Conventional Mortgage BANCORPSOUTH BANK
Apr 18, 2018	Grant Deed, Transfer · Conventional with PMI PILGRIM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2021 · Amount on File
Deed Sale	Mar 23, 2021 · Amount on File
Prior Sale	Apr 18, 2018 · Amount on File
Deed Document Number	2021952
Deed Book / Page	415 / 815
Last Transfer Date	Oct 29, 2025
Transfer Doc	0000003333
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	2095 RIDGE RD, DUNLAP, TN 37327-7749
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2095 RIDGE RD, DUNLAP, TN 37327-7749

Mortgage

Document Number	0000000831
Date	Mar 18, 2026
Book Page	480/441
Instrument	26000831

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	15699 RANKIN AVE, DUNLAP, TN 37327

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 12, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Nov 4, 2025
Property Address	2095 RIDGE RD, DUNLAP, TN 37327-7749
Document Number	0000003333
Book / Page	478 / 221
Instrument Date	Oct 29, 2025
Instrument	25003333
Transaction Type	Transfer
Record Updated	Nov 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2095 RIDGE RD, DUNLAP, TN 37327-7749

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Mar 23, 2021
Property Address	2095 RIDGE RD, DUNLAP, TN 37327-7749
Document Number	0000000952
Book / Page	415 / 815
Instrument Date	Jan 26, 2021
Instrument	21000952
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,091.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2095 RIDGE RD, DUNLAP, TN 37327-7749

Mortgage

Document Number	0000000953
Date	Mar 23, 2021
Instrument	21000953

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Apr 18, 2018
Property Address	2095 RIDGE RD, DUNLAP, TN 37327-7749
Document Number	0000000923
Book / Page	000367 / 000604
Instrument Date	Apr 12, 2018
Instrument	923
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.63
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2061 DUNLAP TN 373272061, DUNLAP, TN 37327-2061

Mortgage

Document Number	924
Date	Apr 18, 2018
Book Page	000367/000607
Instrument	924

Lender

Name	PILGRIM MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78232

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2048

Tax Assessment & Valuation

Source: Sequatchie County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Sequatchie County
Municipality	Dunlap City
Unified School District	Sequatchie County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$72,650 (-) Land $15,675 Building $56,975
2024		$72,650 (-) Land $15,675 Building $56,975
2023	$1,754.00 (+13.82%)	$72,650 (+56.4%) Land $15,675 Building $56,975	$290,600 (+56.4%) Land $62,700 Building $227,900
2022	$1,541.00	$46,450 Land $15,675 Building $30,775	$185,800 Land $62,700 Building $123,100

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 2095 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	May 2024 · 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 2095 Ridge Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 79% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	DUNLAP WATER SYSTEM serves 9,782 people · EPA ID TN0000205
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

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