1813 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1813 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,201 sqft · built 1977
Lot Size	0.46 acres (20,041 sqft)
Owner	Owner Name on Record
Last Sale	$98,000 (Dec 2012)
Tax Bill	$1,388 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`159E D 005`

Property Details

APN / Parcel Number

Primary APN	`159E D 005`
Alternative APN	`0000101480`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,201 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1980
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,041 sqft (0.46 acres)
Lot Dimensions	160 ft deep x 125 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101480
Old Parcel Number	159E D005
Street Address	1813 PINE NEEDLES TRL
City	CHATTANOOGA
State	TN
Zip	37421-3367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	LT 35 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	35
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	Owner Name on Record
Mailing Address	1813 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 28, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2012 · Amount on Record
Deed Sale	Dec 27, 2012 · Amount on Record
Prior Sale	Jul 24, 2012 · Amount on Record
Deed Document Number	2012122700136
Deed Book / Page	9832 / 244
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1813 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0000000044
Date	Dec 1, 2025
Book Page	14121/901
Instrument	2025120100044

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1813 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0000000042
Date	Apr 18, 2024
Book Page	13568/482
Instrument	2024041800042

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1813 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	1210000378
Instrument Date	Nov 28, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1813 PINE NEEDLES TRL CHATTANOOGA TN 374213367, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	1210000378
Date	Dec 10, 2020
Book Page	012270/000751
Instrument	201210000378

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 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	$1,388.00 (+9.55%)	$91,575 (+61.65%)	$366,300 (+61.65%) Land $70,000 Building $296,300
2024	$1,267.00	$56,650 (-)	$226,600 (-) Land $55,000 Building $171,600
2023	$1,267.00	$56,650 (-)	$226,600 (-) Land $55,000 Building $171,600
2022	$1,267.00	$56,650	$226,600 Land $55,000 Building $171,600

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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