Hamilton County property record for 1761 Pine Needles Trl, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,650 sqft · built 1978 |
| Lot Size | 0.607 acres (26,448 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Jan 2024) |
| Tax Bill | $1,240 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 159E D 018 |
| Primary APN | 159E D 018 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,650 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 26,448 sqft (0.607 acres) |
| Lot Dimensions | 164 ft deep x 170 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000101494 |
|---|---|
| Street Address | 1761 PINE NEEDLES TRL |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-3366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UR |
| Legal Description | LOT 22 RUSTIC WOODS SUB 29-263 |
| Legal Subdivision | RUSTIC WOODS |
| Legal Lot Number | 22 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11323 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1761 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3366 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2024 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BENCHMARK HM LN |
| Jan 7, 2019 | Deed of Trust, Mortgage TENNESSEE VLY FCU |
| Feb 27, 2017 | Warranty Deed, Transfer · FHA Mortgage INDEPENDENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2024 · Amount on Record |
| Deed Sale | Jan 31, 2024 · Amount on Record |
| Prior Sale | Feb 27, 2017 · Amount on Record |
| Deed Document Number | 202411 |
| Deed Book / Page | 13501 / 162 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 31, 2024 |
| Property Address | 1761 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3366 |
| Document Number | 0000000011 |
| Book / Page | 13501 / 162 |
| Map Reference | MB 29 PG 263 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 2024013100011 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | UNKNOWN, FOUNDATION T&E SERIES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1761 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3366 |
| Document Number | 0000000012 |
|---|---|
| Date | Jan 31, 2024 |
| Instrument | 2024013100012 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1761 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3366 |
| Document Number | 0924000158 |
| Instrument Date | Sep 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1761 PINE NEEDLES TRL CHATTANOOGA TN 374213366, CHATTANOOGA, TN 37421-3366 |
| Document Number | 0924000158 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 012164/000699 |
| Instrument | 200924000158 |
| Name | BENCHMARK HM LN |
|---|---|
| Type | Funding / Finance Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1761 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3366 |
| Document Number | 0107000248 |
| Instrument Date | Jan 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2019 |
| Title Company | FIRST CHOICE, 1ST CHOICE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1804 MORRIS HILL RD CHATTANOOGA TN 374213342, CHATTANOOGA, TN 37421-3342 |
| Document Number | 0107000248 |
|---|---|
| Date | Jan 7, 2019 |
| Book Page | 011539/000207 |
| Instrument | 190107000248 |
| Name | TENNESSEE VLY FCU |
|---|---|
| Type | Credit Union |
| Address | 535 CHESTNUT ST, CHATTANOOGA, TN 37402-4908 |
| Amount | Amount Recorded |
|---|
| Rate | 4.75% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 27, 2017 |
| Property Address | 1761 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3366 |
| Document Number | 0000000220 |
| Book / Page | 10984 / 814 |
| Map Reference | MB29 PG263 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 2017022700220 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | FIRST CHOICE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $583.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1761 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3366 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000221 |
|---|---|
| Date | Feb 27, 2017 |
| Instrument | 2017022700221 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Number | 0000000222 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 10984/829 |
| Instrument | 2017022700222 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38157 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,240.00 (+5.08%) | $81,850 (+55.09%) | $327,400 (+55.09%) Land $70,000 Building $257,400 |
| 2024 | $1,180.00 | $52,775 (-) | $211,100 (-) Land $55,000 Building $156,100 |
| 2023 | $1,180.00 | $52,775 (-) | $211,100 (-) Land $55,000 Building $156,100 |
| 2022 | $1,180.00 | $52,775 | $211,100 Land $55,000 Building $156,100 |
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.
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 | 7 (1980–2020) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And 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 | Low lower than 95% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 157 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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