1827 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1827 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,259 sqft · built 1977
Lot Size	0.924 acres (40,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Mar 2018)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159E D 002`

Property Details

APN / Parcel Number

Primary APN	`159E D 002`
Alternative APN	`0000101477`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,259 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	40,291 sqft (0.924 acres)
Lot Dimensions	283 ft deep x 146 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000101477
Street Address	1827 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	LOT 38 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	38
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2000
Census Tract	11323

Owner

Source: Hamilton County records, as of January 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1827 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Mar 19, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage TJC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2018 · Amount on Record
Deed Sale	Mar 19, 2018 · Amount on Record
Prior Sale	Apr 29, 2010 · Amount on Record
Deed Document Number	2018230
Deed Book / Page	11296 / 445
Prior Transfer Date	Feb 23, 2010
Prior Transfer Doc	0000000115
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1827 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	1222000005
Instrument Date	Dec 1, 2020
Transaction Type	Mortgage
Record Updated	Jan 6, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1827 PINE NEEDLES TRL CHATTANOOGA TN 374213367, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	1222000005
Date	Dec 22, 2020
Book Page	012284/000214
Instrument	201222000005

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

March 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 19, 2018
Property Address	1827 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367
Document Number	0000000230
Book / Page	11296 / 445
Map Reference	MB29 PG263
Instrument Date	Mar 15, 2018
Instrument	2018031900230
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.50
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	1827 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3367

Mortgage

Document Number	0000000231
Date	Mar 19, 2018
Instrument	2018031900231

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

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	$1,228.00 (+2.33%)	$81,075 (+51.12%)	$324,300 (+51.12%) Land $70,000 Building $254,300
2024	$1,200.00	$53,650 (-)	$214,600 (-) Land $55,000 Building $159,600
2023	$1,200.00	$53,650 (-)	$214,600 (-) Land $55,000 Building $159,600
2022	$1,200.00	$53,650	$214,600 Land $55,000 Building $159,600

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 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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