1778 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1778 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,968 sqft · built 1977
Lot Size	0.426 acres (18,600 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Aug 2024)
Tax Bill	$1,083 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159E D 026`

Property Details

APN / Parcel Number

Primary APN	`159E D 026`
Alternative APN	`0000101502`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,968 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,600 sqft (0.426 acres)
Lot Dimensions	186 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101502
Street Address	1778 PINE NEEDLES TRL
City	CHATTANOOGA
State	TN
Zip	37421-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	LT 14 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	14
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2000
Census Tract	11323

Owner

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
Mailing Address	1778 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2024	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jul 6, 2020	Warranty Deed, Transfer · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2024 · Amount on Record
Deed Sale	Aug 27, 2024 · Amount on Record
Prior Sale	Jul 6, 2020 · Amount on Record
Deed Document Number	2024082700133
Deed Book / Page	13688 / 323
Record Updated	Jun 8, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 27, 2024
Property Address	1778 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3353
Document Number	0000000133
Book / Page	13688 / 323
Map Reference	MB 29 PG 263
Instrument Date	Aug 26, 2024
Instrument	2024082700133
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, ALLIANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1778 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3353

Mortgage

Document Number	0000000134
Date	Aug 27, 2024
Instrument	2024082700134

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 6, 2020
Property Address	1778 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3353
Document Number	0706000264
Book / Page	012061 / 000888
Instrument Date	Jul 2, 2020
Instrument	200706000264
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	FIRST CHOICE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1778 PINE NEEDLES TRL CHATTANOOGA TN 374213353, CHATTANOOGA, TN 37421-3353

Mortgage

Document Number	706000265
Date	Jul 6, 2020
Book Page	012061/000890
Instrument	200706000265

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,083.00 (+4.03%)	$71,500 (+53.6%)	$286,000 (+53.6%) Land $70,000 Building $216,000
2024	$1,041.00	$46,550 (-)	$186,200 (-) Land $55,000 Building $131,200
2023	$1,041.00	$46,550 (-)	$186,200 (-) Land $55,000 Building $131,200
2022	$1,041.00	$46,550	$186,200 Land $55,000 Building $131,200

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.

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	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	Extensive Rainfall And Flash Flooding, Mar 1994 · 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

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

Wildfire Risk	Moderate above 45% of the US · above 62% of Tennessee
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	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

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 354 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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