1811 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1811 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,728 sqft · built 1977
Lot Size	0.433 acres (18,891 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (Nov 2021)
Tax Bill	$1,061 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`159E D 006`

Property Details

APN / Parcel Number

Primary APN	`159E D 006`
Alternative APN	`0000101481`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,728 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	18,891 sqft (0.433 acres)
Lot Dimensions	160 ft deep x 118 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101481
Street Address	1811 PINE NEEDLES TRL
City	CHATTANOOGA
State	TN
Zip	37421-3367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 34 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	34
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
Co-owner	Co-owner on Record
Mailing Address	1811 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 7, 2020	Warranty Deed, Transfer · FHA Mortgage CMG FIN'L
Aug 19, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	May 7, 2020 · Amount on Record
Deed Document Number	2021110100316
Deed Book / Page	12715 / 145
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 1, 2021
Property Address	1811 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	0000000316
Book / Page	12715 / 145
Map Reference	MB 29 PG 263
Instrument Date	Oct 29, 2021
Instrument	2021110100316
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	$1,021.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0012715148
Date	Nov 1, 2021
Instrument	12715/148

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 7, 2020
Property Address	1811 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	0507000177
Book / Page	011994 / 000650
Instrument Date	May 1, 2020
Instrument	200507000177
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 PINE NEEDLES TRL CHATTANOOGA TN 374213367, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	507000178
Date	May 7, 2020
Book Page	011994/000652
Instrument	200507000178

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 19, 2019
Property Address	1811 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	0819000188
Book / Page	011732 / 000756
Instrument Date	Aug 16, 2019
Instrument	190819000188
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$370.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7700 RUNYAN RD GEORGETOWN TN 373363015, GEORGETOWN, TN 37336-3015

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	$1,061.00 (+5.47%)	$70,050 (+55.67%)	$280,200 (+55.67%) Land $70,000 Building $210,200
2024	$1,006.00	$45,000 (-)	$180,000 (-) Land $55,000 Building $125,000
2023	$1,006.00	$45,000 (-)	$180,000 (-) Land $55,000 Building $125,000
2022	$1,006.00	$45,000	$180,000 Land $55,000 Building $125,000

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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