1802 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1802 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,546 sqft · built 1978
Lot Size	0.51 acres (22,230 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,309 (2025)
Deeds & Mortgages	Nov 2017 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`159E D 027`

Property Details

APN / Parcel Number

Primary APN	`159E D 027`
Alternative APN	`0000101503`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,546 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	22,230 sqft (0.51 acres)
Lot Dimensions	234 ft deep x 95 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101503
Street Address	1802 PINE NEEDLES TRL
City	CHATTANOOGA
State	TN
Zip	37421-3354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	LOT 13 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	13
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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	1802 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2017	Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI COMMONWEALTH BK
May 4, 2018	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Oct 20, 2017	Quit Claim Deed, Transfer ENSIGN TITLE AND ESCROW INC, ENSIGN TITLE & ESCROW INC
Aug 1, 2017	Warranty Deed, Transfer · Line of Credit JOHN CONNER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2018
Deed Sale	May 15, 2018
Prior Sale	Oct 20, 2017
Deed Document Number	0011359361
Deed Book / Page	11337 / 995
Prior Transfer Date	May 4, 2018
Prior Transfer Doc	2018050400059
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1802 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000231
Date	Nov 17, 2017
Book Page	11206/842
Instrument	2017111700231

Lender

Name	PINNACLE BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1802 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	0622000256
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1802 PINE NEEDLES TRL CHATTANOOGA TN 374213354, CHATTANOOGA, TN 37421-3354

Mortgage

Document Number	0622000256
Date	Jun 22, 2020
Book Page	012045/000246
Instrument	200622000256

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 4, 2018
Property Address	1802 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	0000000059
Book / Page	11337 / 995
Map Reference	MB3909 PG263
Instrument Date	Apr 20, 2018
Instrument	2018050400059
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	ENSIGN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$699.30
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	1809 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0000000060
Date	May 4, 2018
Instrument	2018050400060

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 20, 2017
Property Address	1802 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	0000000037
Book / Page	011183 / 000312
Instrument Date	Oct 11, 2017
Instrument	37
Transaction Type	Transfer
Record Updated	Jan 11, 2018
Title Company	ENSIGN TITLE AND ESCROW INC, ENSIGN TITLE & ESCROW INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 398 WILDWOOD GA 307570398, WILDWOOD, GA 30757-0398

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 1, 2017
Property Address	1802 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	0000000188
Book / Page	011117 / 000532
Instrument Date	Jul 28, 2017
Instrument	188
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ENSIGN TITLE AND ESCROW INC, ENSIGN TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$459.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2288 GUNBARREL RD #154 CHATTANOOGA TN 374213492, 154, CHATTANOOGA, TN 37421-3492
Investor	Possibly a Property Investor

Mortgage

Document Number	189
Date	Aug 1, 2017
Book Page	011117/000534
Instrument	189

Lender

Name	JOHN CONNER LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 31, 2018

Interest

Rate Type	Adjustable Rate

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	$1,309.00 (+2.27%)	$86,375 (+50.94%)	$345,500 (+50.94%) Land $70,000 Building $275,500
2024	$1,280.00	$57,225 (-)	$228,900 (-) Land $55,000 Building $173,900
2023	$1,280.00	$57,225 (-)	$228,900 (-) Land $55,000 Building $173,900
2022	$1,280.00	$57,225	$228,900 Land $55,000 Building $173,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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