Hamilton County property record for 1820 Pine Needles Trl, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,028 sqft · built 1977 |
| Lot Size | 0.45 acres (19,642 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,550 (Aug 2017) |
| Tax Bill | $1,235 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 159E D 034 |
| Primary APN | 159E D 034 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,028 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 19,642 sqft (0.45 acres) |
| Lot Dimensions | 230 ft deep x 85.4 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000101510 |
|---|---|
| Street Address | 1820 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 6 RUSTIC WOODS SUB 29-263 |
| Legal Subdivision | RUSTIC WOODS |
| Legal Lot Number | 6 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11323 |
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 |
|---|---|
| Mailing Address | 1820 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 30, 2017 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE INVTRS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2017 · Amount on Record |
| Deed Sale | Aug 30, 2017 · Amount on Record |
| Prior Sale | Jul 16, 1998 · Amount on Record |
| Deed Document Number | 2017083000197 |
| Deed Book / Page | 11142 / 393 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1820 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000265 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 12486/353 |
| Instrument | 2021051400265 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 30, 2017 |
| Property Address | 1820 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354 |
| Document Number | 0000000197 |
| Book / Page | 011142 / 000393 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 197 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | RELL SETTLEMENT SOLUTIONS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $686.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1820 PINE NEEDLES TRL CHATTANOOGA TN 374213354, CHATTANOOGA, TN 37421-3354 |
| Document Number | 198 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 011142/000396 |
| Instrument | 198 |
| Name | MORTGAGE INVTRS |
|---|---|
| Type | Mortgage Company |
| Address | KNOXVILLE, TN 37923 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 29, 2047 |
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,235.00 (+4.22%) | $81,500 (+53.85%) | $326,000 (+53.85%) Land $70,000 Building $256,000 |
| 2024 | $1,185.00 | $52,975 (-) | $211,900 (-) Land $55,000 Building $156,900 |
| 2023 | $1,185.00 | $52,975 (-) | $211,900 (-) Land $55,000 Building $156,900 |
| 2022 | $1,185.00 | $52,975 | $211,900 Land $55,000 Building $156,900 |
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.
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 |
|
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.
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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures