86 Ridgeway Dr, Chattanooga, TN 37415 Property Records

Hamilton County property record for 86 Ridgeway Dr, Chattanooga, TN 37415

Property Summary

Property Type	Townhouse
Details	3 ba · 1,368 sqft · built 1998
Lot Size	0.051 acres (2,241 sqft)
Owner	Individual Name on Record
Last Sale	$288,000 (Apr 2024)
Tax Bill	$974 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`099O D 001.08`

Property Details

APN / Parcel Number

Primary APN	`099O D 001.08`
Alternative APN	`0000141038`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,368 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Townhouse
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	2,241 sqft (0.051 acres)
Lot Dimensions	127 ft deep x 18 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000141038
Street Address	86 RIDGEWAY DR
City	CHATTANOOGA
State	TN
Zip	37415-1861
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT 8 CHARLESTON TRACE PB59 PG100
Legal Subdivision	CHARLESTON TRACE
Legal Lot Number	8
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1008
Census Tract	10600

Owner

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	86 RIDGEWAY DR, CHATTANOOGA, TN 37415-1861
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 6, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jan 30, 2020	Deed of Trust, Mortgage · Conventional with PMI PEOPLES HM EQUITY
Oct 27, 2017	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Prior Sale	Feb 4, 2020 · Amount on Record
Deed Document Number	202424
Deed Book / Page	13572 / 4
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 23, 2024
Property Address	86 RIDGEWAY DR, CHATTANOOGA, TN 37415-1861
Document Number	0000000024
Book / Page	13572 / 4
Map Reference	MB 59 PG 100
Instrument Date	Apr 19, 2024
Instrument	2024042300024
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,065.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 RIDGEWAY DR, CHATTANOOGA, TN 37415-1861

Mortgage

Document Number	0000000025
Date	Apr 23, 2024
Instrument	2024042300025

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 6, 2023
Property Address	86 RIDGEWAY DR, CHATTANOOGA, TN 37415-1861
Document Number	0000000143
Book / Page	13338 / 23
Map Reference	MB 59 PG 100
Instrument Date	Jun 30, 2023
Instrument	2023070600143
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 N RIDGE RD, RICHMOND, VA 23229

Mortgage

Document Number	0000000144
Date	Jul 6, 2023
Instrument	2023070600144

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	86 RIDGEWAY DR, CHATTANOOGA, TN 37415-1861
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	NORTHSHORE TITLE AND ESCROW, NORTHSHORE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 RIDGEWAY DR CHATTANOOGA TN 374151861, CHATTANOOGA, TN 37415-1861

Mortgage

Document Number	204000206
Date	Feb 4, 2020
Book Page	011899/000169
Instrument	200204000206

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 27, 2017
Property Address	86 RIDGEWAY DR, CHATTANOOGA, TN 37415-1861
Document Number	0000000238
Book / Page	11189 / 649
Map Reference	MB59 PG100
Instrument Date	Oct 25, 2017
Instrument	2017102700238
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	REALTY CENTER TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$532.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 RIDGEWAY DR, CHATTANOOGA, TN 37415-1861

Mortgage

Document Number	0000000239
Date	Oct 27, 2017
Instrument	2017102700239

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Red Bank City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$974.00 (+5.3%)	$64,300 (+55.41%)	$257,200 (+55.41%) Land $60,000 Building $197,200
2024	$925.00 (-45.14%)	$41,375 (-)	$165,500 (-) Land $40,000 Building $125,500
2023	$1,686.00 (+18.73%)	$41,375 (-)	$165,500 (-) Land $40,000 Building $125,500
2022	$1,420.00	$41,375	$165,500 Land $40,000 Building $125,500

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.

Flood

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 (1980)
Most Recent Claim	Mar 1980 · 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.5% of Tennessee
Wildfire Likelihood	0.01% 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	HIXSON UTILITY DISTRICT serves 68,306 people · EPA ID TN0000303
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

86 Ridgeway Dr, Chattanooga, TN 37415 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Ridgeway Dr

Nearby Streets

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