Hamilton County property record for 5318 Ringgold Rd, Chattanooga, TN 37412
| Property Type | Restaurant |
|---|---|
| Details | 2,689 sqft · built 1984 |
| Lot Size | 0.381 acres (16,609 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Apr 2012) |
| Tax Bill | $3,623 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 169J A 029 |
| Primary APN | 169J A 029 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,689 sqft Total Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick Veneer |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Built-Up Asphalt |
| Lot Area | 16,609 sqft (0.381 acres) |
| Lot Dimensions | 112 ft deep x 155 ft wide |
| Sewer | Connected |
|---|
| Account Number | 0000114780 |
|---|---|
| Street Address | 5318 RINGGOLD RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37412-3139 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | C2 |
| Legal Description | LTS A B&C C C MILLER PB15 PG106 |
| Legal Subdivision | SUBDIVISION OF C C MILLER TRACT |
| Legal Lot Number | A-C |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 6 |
| Census Block | 6005 |
| Census Tract | 11600 |
Source: Hamilton County records, as of July 20, 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 | 37 CHAMPAGNE CIR, RINGGOLD, GA 30736-8176 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BUILTWELL STRUCTURES INC |
| Jun 1, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST VOLUNTEER BANK |
| Aug 1, 2019 | Deed of Trust, Mortgage FIRST VOLUNTEER BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2012 · Amount on Record |
| Deed Sale | Apr 26, 2012 · Amount on Record |
| Deed Document Number | 2012149 |
| Deed Book / Page | 9629 / 944 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 9, 2026 |
| Property Address | 5318 RINGGOLD RD, CHATTANOOGA, TN 37412-3139 |
| Document Number | 0000000214 |
| Book / Page | 14363 / 557 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 2026214 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 418 LAKESHORE CV, FORT OGLETHORPE, GA 30742-3992 |
| Document Number | 0000000214, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 14363/557 |
| Instrument | 2026214 |
| Name | BUILTWELL STRUCTURES INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Jul 10, 2029 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 5318 RINGGOLD RD, CHATTANOOGA, TN 37412-3139 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000075 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 12505/800 |
| Instrument | 2021060100075 |
| Name | FIRST VOLUNTEER BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 35 Months |
| Due | May 25, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 5318 RINGGOLD RD, CHATTANOOGA, TN 37412-3139 |
| Document Number | 0806000080 |
| Instrument Date | Aug 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 7014 IGOU GAP RD CHATTANOOGA TN 374215748, CHATTANOOGA, TN 37421-5748 |
| Document Number | 0806000080 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | 011720/000568 |
| Instrument | 190806000080 |
| Name | FIRST VOLUNTEER BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Amount | Amount Recorded |
|---|---|
| Term | 36 Months |
| Due | Aug 5, 2022 |
Source: Hamilton County assessment roll, as of January 2, 2026
| 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 | $3,623.00 (-17.51%) | $239,080 (+21.78%) | $597,700 (+21.78%) Land $248,300 Building $349,400 |
| 2024 | $4,392.00 (-36.21%) | $196,320 (-) | $490,800 (-) Land $191,000 Building $299,800 |
| 2023 | $6,885.00 (+0.01%) | $196,320 (-) | $490,800 (-) Land $191,000 Building $299,800 |
| 2022 | $6,884.00 | $196,320 | $490,800 Land $191,000 Building $299,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 51 policies |
| Nearby Flood Policies | 51 in force |
| Nearby Flood Claims | 102 (1978–2025) |
| Claims Outside the SFHA | 12 of 102 |
| Most Recent Claim | Aug 2025 · river or lake flooding |
| Claims by Event |
|
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 | Not rated no burnable land within 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 443 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 | 100 / 20 |
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