Hamilton County property record for 2319 Bending Oak Dr, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,050 sqft · built 1979 |
| Lot Size | 0.53 acres (23,102 sqft) |
| Owner | Individual Name on File |
| Last Sale | $201,000 (Feb 2016) |
| Tax Bill | $1,439 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 149L E 001 |
| Primary APN | 149L E 001 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,050 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 23,102 sqft (0.53 acres) |
| Lot Dimensions | 181 ft deep x 106 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000084375 |
|---|---|
| Street Address | 2319 BENDING OAK DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-1520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 163 EDGMON'S ADDN TO VALLEY VIEW REV 32-112 REV 45-363 |
| Legal Subdivision | EDGMONS ADDN TO VALL |
| Legal Lot Number | 163 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 11323 |
2319 Bending Oak Dr is owned and occupied by an individual who bought it in February 2016.
Source: Hamilton County records, as of July 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 14, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| May 22, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 19, 2018 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Jun 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 2016 · Amount on File |
| Deed Sale | Feb 23, 2016 · Amount on File |
| Deed Document Number | 2016151 |
| Deed Book / Page | 10677 / 692 |
| Prior Transfer Date | Mar 6, 2013 |
| Prior Transfer Doc | 0000000022 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0000000017 |
|---|---|
| Date | Feb 13, 2026 |
| Book Page | 14194/88 |
| Instrument | 2026021300017 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0000000274 |
|---|---|
| Date | May 10, 2022 |
| Book Page | 12953/344 |
| Instrument | 2022051000274 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0000000201 |
|---|---|
| Date | Aug 14, 2023 |
| Book Page | 13371/408 |
| Instrument | 2023081400201 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0000000037 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 12734/908 |
| Instrument | 2021111600037 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 320 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0000000008 |
|---|---|
| Date | May 22, 2025 |
| Book Page | 13928/923 |
| Instrument | 2025052200008 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0815000063 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2319 BENDING OAK DR CHATTANOOGA TN 374211520, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0815000063 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | 011426/000745 |
| Instrument | 180815000063 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 14, 2048 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2319 BENDING OAK DR, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0726000120 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2319 BENDING OAK DR CHATTANOOGA TN 374211520, CHATTANOOGA, TN 37421-1520 |
| Document Number | 0726000120 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 011410/000276 |
| Instrument | 180726000120 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 25, 2048 |
The 2025 property tax bill for 2319 Bending Oak Dr was $1,439, down 6.7% from the year before.
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,439.00 (-6.68%) | $94,950 (+37.71%) | $379,800 (+37.71%) Land $75,000 Building $304,800 |
| 2024 | $1,542.00 (-0.58%) | $68,950 (-) | $275,800 (-) Land $60,000 Building $215,800 |
| 2023 | $1,551.00 | $68,950 | $275,800 Land $60,000 Building $215,800 |
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.
FEMA maps place 2319 Bending Oak Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.
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 Policies | 8 in force |
| Nearby Flood Claims | 3 (2012–2025) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
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 risk around 2319 Bending Oak Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 | EASTSIDE UTILITY DISTRICT serves 59,612 people · EPA ID TN0000219 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 169 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 |
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