1832 Pine Needles Trl, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1832 Pine Needles Trl, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,608 sqft · built 1980
Lot Size	0.362 acres (15,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,981 (May 2012)
Tax Bill	$1,008 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`159E D 039`

Property Details

APN / Parcel Number

Primary APN	`159E D 039`
Alternative APN	`0000101515`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,608 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,800 sqft (0.362 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	0000101515
Street Address	1832 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 1 RUSTIC WOODS SUB 29-263
Legal Subdivision	RUSTIC WOODS
Legal Lot Number	1
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2000
Census Tract	11323

Owner

Source: Hamilton County records, as of April 13, 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	1832 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Line of Credit SMARTBANK
May 17, 2021	Deed of Trust, Mortgage · Line of Credit SMARTBANK
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2012 · Amount on Record
Deed Sale	May 21, 2012 · Amount on Record
Prior Sale	Jan 30, 2012 · Amount on Record
Deed Document Number	2012133
Deed Book / Page	9647 / 673
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Apr 2, 2026
Property Address	1832 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	0000000058
Book / Page	14249 / 865
Instrument Date	Mar 17, 2026
Instrument	202658
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1832 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354

Mortgage

Document Number	0000000058,
Date	Apr 2, 2026
Book Page	14249/865
Instrument	202658

Lender

Name	SMARTBANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 17, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1832 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	0000000113
Date	May 17, 2021
Book Page	12486/972
Instrument	2021051700113

Lender

Name	SMARTBANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1832 PINE NEEDLES TRL, CHATTANOOGA, TN 37421-3354
Document Number	1026000228
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 11, 2020
Title Company	FIRST CHOICE, 1ST CHOICE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1832 PINE NEEDLES TRL CHATTANOOGA TN 374213354, CHATTANOOGA, TN 37421-3354

Mortgage

Document Number	1026000228
Date	Oct 26, 2020
Book Page	012205/000461
Instrument	201026000228

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 25, 2035

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	$1,008.00 (+3.92%)	$66,525 (+53.28%)	$266,100 (+53.28%) Land $70,000 Building $196,100
2024	$970.00	$43,400 (-)	$173,600 (-) Land $55,000 Building $118,600
2023	$970.00	$43,400 (-)	$173,600 (-) Land $55,000 Building $118,600
2022	$970.00	$43,400	$173,600 Land $55,000 Building $118,600

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	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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