221 Ridgeline Dr, Chico, TX 76431 Property Records

Wise County property record for 221 Ridgeline Dr, Chico, TX 76431

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,257 sqft · built 2021
Lot Size	1.05 acres (45,825 sqft)
Owner	2 Individual Names on File
Last Sale	$914,375 (Aug 2025)
Tax Bill	$9,371 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0981.0096.00`

Property Details

APN / Parcel Number

Primary APN	`R0981.0096.00`
Alternative APNs	`000000783361` `R000324638` `783361`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,257 sqft Living Area
Gross Area	3,727 sqft
1st Floor Area	1,907 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Hip
Roof Material	Other
Lot Area	45,825 sqft
Lot Dimensions	420 ft deep x 142 ft wide
Garage Type	Attached
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R000324638
Street Address	221 RIDGELINE DR
City	CHICO
State	TX
Zip	76431-2052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT: 96R NORTH STAR POINTE 1.0520 ACRES
Legal Subdivision	NORTH STAR POINTE PH2 SECT 6A
Legal Lot Number	96R
Jurisdiction	WISE TX
Township / Civil Division	BRIDGEPORT
Census Block Group	2
Census Block	2110
Census Tract	150405

Owner

221 Ridgeline Dr is owned by two individuals who bought it in August 2025.

Source: Wise County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	211 HEATHERWOOD DR, IRVING, TX 75063-4295
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2025	Vendor's Lien, Transfer · Conventional Mortgage KIND LENDING LLC
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 6, 2021	Warranty Deed, Transfer NOT AVAILABLE, GTC
Dec 15, 2020	Warranty Deed, Transfer GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2025 · Amount on File
Deed Sale	Aug 8, 2025 · Amount on File
Prior Sale	Dec 6, 2021
Deed Document Number	202510597
Prior Transfer Date	Feb 17, 2006
Prior Transfer Doc	0000383839
Record Updated	Sep 20, 2026

August 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WISE TX
Recording Date	Aug 8, 2025
Property Address	221 RIDGELINE DR, CHICO, TX 76431-2052
Document Number	0202510597
Map Reference	CAB C SLV 115
Instrument Date	Jul 30, 2025
Instrument	202510597
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 RIDGELINE DR, CHICO, TX 76431-2052

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 HEATHERWOOD DR, IRVING, TX 75063-4295

Mortgage

Document Number	0202510598
Date	Aug 8, 2025
Instrument	202510598

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WISE TX
Property Address	221 RIDGELINE DR, CHICO, TX 76431-2052
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 RIDGELINE DR, CHICO, TX 76431-2052

Mortgage

Document Number	0202211708
Date	Jul 18, 2022
Instrument	202211708

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jun 5, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WISE TX
Recording Date	Dec 6, 2021
Property Address	221 RIDGELINE DR, CHICO, TX 76431-2052
Document Number	0202119761
Map Reference	CAB C SL 115
Instrument Date	Dec 3, 2021
Instrument	202119761
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	NOT AVAILABLE, GTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	257 GRAND HBR, CHICO, TX 76431-2054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 RIDGELINE DR, CHICO, TX 76431-2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WISE TX
Recording Date	Dec 15, 2020
Property Address	221 RIDGELINE DR, CHICO, TX 76431-2052
Document Number	0000017401
Instrument Date	Dec 9, 2020
Instrument	17401
Transaction Type	Transfer
Record Updated	Jan 8, 2021
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	257 GRAND HARBOR BLVD CHICO TX 764312054, CHICO, TX 76431-2054

Tax Assessment & Valuation

The 2025 property tax bill for 221 Ridgeline Dr was $9,371, down 4.1% from the year before.

Source: Wise County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Wise County
Unified School District	Chico Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$957,123 (-0.77%) Land $198,366 Building $758,757	$957,123 (-0.77%) Land $198,366 Building $758,757
2025	$9,371.00 (-4.07%) Homeowner's exemption	$964,515 Land $198,366 Building $766,149	$964,515 Land $198,366 Building $766,149
2024	$9,769.00
2023		$870,781	$1,050,814
2021	$2,059.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 221 Ridgeline Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	6 (2015–2025)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 2 claims

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 221 Ridgeline Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	GRAND HARBOR WSC private · serves 360 people · EPA ID TX2490070
Water Source	Purchased surface water from CITY OF RUNAWAY BAY
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids not recorded as resolved · Apr 2026
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	73 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100
AMA TechTel Communications Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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