1816 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1816 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,911 sqft · built 1979
Lot Size	0.446 acres (19,440 sqft)
Owner	Individual Name on Record
Last Sale	$255,100 (Aug 2021)
Tax Bill	$1,089 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159E D 032`

Property Details

APN / Parcel Number

Primary APN	`159E D 032`
Alternative APN	`0000101508`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,911 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1982
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	19,440 sqft (0.446 acres)
Lot Dimensions	216 ft deep x 90 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101508
Street Address	1816 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	LT 8 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	8
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	1816 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Warranty Deed, Transfer · Conventional Mortgage WOLFE FINANCIAL INC
Aug 8, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2021 · Amount on Record
Deed Sale	Aug 4, 2021 · Amount on Record
Prior Sale	Aug 8, 2019 · Amount on Record
Deed Document Number	2021080400171
Deed Book / Page	12596 / 126
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 4, 2021
Property Address	1816 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	0000000171
Book / Page	12596 / 126
Map Reference	MB 29 PG 263
Instrument Date	Aug 2, 2021
Instrument	2021080400171
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	FOUNDATION TITLE AND ESCROW LLC, FOUNDATION TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$943.87
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1816 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354

Mortgage

Document Number	0012596130
Date	Aug 4, 2021
Instrument	12596/130

Lender

Name	WOLFE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 8, 2019
Property Address	1816 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	0808000185
Book / Page	011723 / 000668
Instrument Date	Jul 29, 2019
Instrument	190808000185
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	REALTY CENTER TITLE AND ESCROW L, REALTY CENTER TITLE & ESCROW L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 PINE NEEDLES TRL CHATTANOOGA TN 374213354, CHATTANOOGA, TN 37421-3354

Mortgage

Document Number	808000186
Date	Aug 8, 2019
Book Page	011723/000671
Instrument	190808000186

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 7, 2034

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	$1,089.00 (+5.22%)	$71,850 (+55.27%)	$287,400 (+55.27%) Land $70,000 Building $217,400
2024	$1,035.00	$46,275 (-)	$185,100 (-) Land $55,000 Building $130,100
2023	$1,035.00	$46,275 (-)	$185,100 (-) Land $55,000 Building $130,100
2022	$1,035.00	$46,275	$185,100 Land $55,000 Building $130,100

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 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.08% 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 83 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

1816 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Pine Needles Trl

Nearby Streets

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