Hamilton County property record for 4109 E Ridge Dr, Chattanooga, TN 37412
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,951 sqft · built 1953 |
| Lot Size | 0.221 acres (9,652 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (Aug 2021) |
| Tax Bill | $1,125 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 169I A 022 |
| Primary APN | 169I A 022 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,951 sqft Living Area |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,652 sqft (0.221 acres) |
| Lot Dimensions | 135 ft deep x 71.5 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000114389 |
|---|---|
| Street Address | 4109 E RIDGE DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37412-2307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 RESUB PLAT LOTS 11 & 12 PB35 PG19 |
| Legal Subdivision | EALY ESTATES |
| Legal Lot Number | 11 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 11800 |
Source: Hamilton County records, as of December 31, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4918 OLD CREEK DR, SARASOTA, FL 34233-3941 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Oct 21, 2020 | Warranty Deed, Transfer TENNESSEE VLY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on Record |
| Deed Sale | Aug 26, 2021 · Amount on Record |
| Prior Sale | Oct 21, 2020 · Amount on Record |
| Deed Document Number | 0012625573 |
| Deed Book / Page | 12625 / 573 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 26, 2021 |
| Property Address | 4109 E RIDGE DR, CHATTANOOGA, TN 37412-2307 |
| Document Number | 0000000275 |
| Book / Page | 12625 / 573 |
| Map Reference | MB 35 PG 19 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 2021082600275 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | BRICK CITY TITLE, BRIDGE CITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $962.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4918 OLD CREEK DR, SARASOTA, FL 34233-3941 |
| Document Number | 0012625576 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 12625/576 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 21, 2020 |
| Property Address | 4109 E RIDGE DR, CHATTANOOGA, TN 37412-2307 |
| Document Number | 1021000267 |
| Book / Page | 012200 / 000822 |
| Instrument Date | Oct 19, 2020 |
| Instrument | 201021000267 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2020 |
| Title Company | PREMIER TITLE INSURANCE AGENCY, PIONEER TITLE INS AGCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $703.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4109 E RIDGE DR CHATTANOOGA TN 374122307, CHATTANOOGA, TN 37412-2307 |
| Document Number | 1021000268 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 012200/000824 |
| Instrument | 201021000268 |
| Name | TENNESSEE VLY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 20, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.49% |
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | East Ridge City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,125.00 (+3.12%) | $74,275 (+52.2%) | $297,100 (+52.2%) Land $50,000 Building $247,100 |
| 2024 | $1,091.00 (-36.2%) | $48,800 (-) | $195,200 (-) Land $40,000 Building $155,200 |
| 2023 | $1,710.00 | $48,800 (-) | $195,200 (-) Land $40,000 Building $155,200 |
| 2022 | $1,710.00 | $48,800 | $195,200 Land $40,000 Building $155,200 |
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 | 1 in force |
| Nearby Flood Claims | 2 (1983–1994) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 1994 · 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 95% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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 317 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 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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