1825 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1825 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,640 sqft · built 1977
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$378,000 (Apr 2023)
Tax Bill	$1,431 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`159E D 003`

Property Details

APN / Parcel Number

Primary APN	`159E D 003`
Alternative APN	`0000101478`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,640 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	Asphalt
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	229 ft deep x 199 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101478
Street Address	1825 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 37 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	37
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
Mailing Address	1825 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
May 31, 2017	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Document Number	0001326523
Deed Book / Page	13265 / 23
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 17, 2023
Property Address	1825 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	0000000137
Book / Page	13265 / 23
Map Reference	MB 29 PG 263
Instrument Date	Apr 17, 2023
Instrument	2023041700137
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	$1,398.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1825 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0132650026
Date	Apr 17, 2023
Instrument	13265-0026

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1825 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	1012000140
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1825 PINE NEEDLES TRL CHATTANOOGA TN 374213367, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	1012000140
Date	Oct 12, 2020
Book Page	012188/000065
Instrument	201012000140

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 11, 2035

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 31, 2017
Property Address	1825 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	0000000050
Book / Page	11062 / 172
Map Reference	MB29 PG263
Instrument Date	May 24, 2017
Instrument	2017053100050
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	FOUNDATION TITLE & ESCROW LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$817.33
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	1825 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0000000051
Date	May 31, 2017
Instrument	2017053100051

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	$1,431.00 (+18.26%)	$94,450 (+74.5%)	$377,800 (+74.5%) Land $70,000 Building $307,800
2024	$1,210.00	$54,125 (-)	$216,500 (-) Land $55,000 Building $161,500
2023	$1,210.00	$54,125 (-)	$216,500 (-) Land $55,000 Building $161,500
2022	$1,210.00	$54,125	$216,500 Land $55,000 Building $161,500

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	Low lower than 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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.

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