1801 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1801 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,400 sqft · built 1980
Lot Size	0.395 acres (17,225 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Aug 2019)
Tax Bill	$1,146 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159E D 009`

Property Details

APN / Parcel Number

Primary APN	`159E D 009`
Alternative APN	`0000101484`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,400 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,225 sqft (0.395 acres)
Lot Dimensions	196 ft deep x 78.4 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101484
Street Address	1801 PINE NEEDLES TRL
City	CHATTANOOGA
State	TN
Zip	37421-3367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 31 RUSTIC WOODS SUB 29-263 36-26
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	31
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2000
Census Tract	11323

Owner

Source: Hamilton County records, as of August 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	1801 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Feb 7, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Deed Document Number	2019173
Deed Book / Page	11745 / 162
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Aug 17, 2026
Property Address	1801 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	0000000008
Book / Page	14405 / 907
Instrument Date	Mar 9, 2026
Instrument	20268
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1801 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0000000008,
Date	Aug 17, 2026
Book Page	14405/907
Instrument	20268

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Feb 1, 2052

Interest

Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1801 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1801 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0000000240
Date	Feb 7, 2022
Book Page	12836/758
Instrument	2022020700240

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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

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	$1,146.00 (+7.71%)	$75,650 (+58.93%)	$302,600 (+58.93%) Land $70,000 Building $232,600
2024	$1,064.00	$47,600 (-)	$190,400 (-) Land $55,000 Building $135,400
2023	$1,064.00	$47,600 (-)	$190,400 (-) Land $55,000 Building $135,400
2022	$1,064.00	$47,600	$190,400 Land $55,000 Building $135,400

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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