1826 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1826 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,888 sqft · built 1977
Lot Size	0.401 acres (17,500 sqft)
Owner	Individual Name on Record
Last Sale	$173,032 (Jul 2019)
Tax Bill	$1,064 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159E D 037`

Property Details

APN / Parcel Number

Primary APN	`159E D 037`
Alternative APN	`0000101513`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,888 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	17,500 sqft (0.401 acres)
Lot Dimensions	140 ft deep x 125 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101513
Old Parcel Number	159E D037
Street Address	1826 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 3 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	3
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	1826 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Jul 23, 2019	Warranty Deed, Transfer · Conventional with PMI INDEPENDENT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Aug 21, 2012 · Amount on Record
Deed Document Number	2019072300138
Deed Book / Page	11705 / 709
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1826 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000008
Date	Oct 27, 2021
Book Page	12707/605
Instrument	2021102700008

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	MEMPHIS, TN 38157

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 23, 2019
Property Address	1826 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	0723000138
Book / Page	011705 / 000709
Instrument Date	Jul 19, 2019
Instrument	190723000138
Transaction Type	Transfer
Record Updated	Aug 9, 2019
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	$640.22
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1826 PINE NEEDLES TRL CHATTANOOGA TN 374213354, CHATTANOOGA, TN 37421-3354

Mortgage

Document Number	723000139
Date	Jul 23, 2019
Book Page	011705/000711
Instrument	190723000139

Lender

Name	INDEPENDENT BK
Type	Bank
Address	MEMPHIS, TN 38157

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

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	$1,064.00 (-3.62%)	$70,250 (+42.35%)	$281,000 (+42.35%) Land $70,000 Building $211,000
2024	$1,104.00	$49,350 (-)	$197,400 (-) Land $55,000 Building $142,400
2023	$1,104.00	$49,350 (-)	$197,400 (-) Land $55,000 Building $142,400
2022	$1,104.00	$49,350	$197,400 Land $55,000 Building $142,400

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.

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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