Hamilton County property record for 308 Pine Ridge Rd, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,533 sqft · built 2024 |
| Lot Size | 0.166 acres (7,271 sqft) |
| Owner | Trust Name on File |
| Last Sale | $795,000 (Apr 2024) |
| Tax Bill | $3,178 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Apr 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135C J 009.01 |
| Primary APN | 135C J 009.01 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,533 sqft Building Perimeter |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Multi-Family |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,271 sqft (0.166 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0000386192 |
|---|---|
| Street Address | 308 PINE RIDGE RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 15 CHATT INVESTMENT CO NO 1 PB 12 PG 24 |
| Legal Subdivision | CHATT INVESTMENT CO NO 1 |
| Legal Lot Number | 15 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
308 Pine Ridge Rd is owner-occupied and held in a trust since April 2024.
Source: Hamilton County records, as of July 7, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 308 PINE RIDGE RD, CHATTANOOGA, TN 37405-3430 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Apr 15, 2024 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Aug 10, 2023 | Warranty Deed, Construction Loan · Construction Mortgage BUILTWELL BANK |
| Nov 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2024 · Amount on File |
| Deed Sale | Apr 15, 2024 · Amount on File |
| Prior Sale | Aug 10, 2023 · Amount on File |
| Deed Document Number | 2024138 |
| Deed Book / Page | 13565 / 316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 308 PINE RIDGE RD, CHATTANOOGA, TN 37405-3430 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 308 PINE RIDGE RD, CHATTANOOGA, TN 37405-3430 |
| Document Number | 0000000022 |
|---|---|
| Date | Feb 12, 2026 |
| Book Page | 14192/641 |
| Instrument | 2026021200022 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.2% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 15.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 15, 2024 |
| Property Address | 308 PINE RIDGE RD, CHATTANOOGA, TN 37405-3430 |
| Document Number | 0000000138 |
| Book / Page | 13565 / 316 |
| Map Reference | MB 12 PG 24 |
| Instrument Date | Apr 12, 2024 |
| Instrument | 2024041500138 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,941.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 308 PINE RIDGE RD, CHATTANOOGA, TN 37405-3430 |
| Document Number | 0000000139 |
|---|---|
| Date | Apr 15, 2024 |
| Instrument | 2024041500139 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 10, 2023 |
| Property Address | 308 PINE RIDGE RD, CHATTANOOGA, TN 37405-3430 |
| Document Number | 0000000130 |
| Book / Page | 13369 / 455 |
| Map Reference | MB 12 PG 24 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 2023081000130 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 25, 2025 |
| Title Company | BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTEWN LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $690.05 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 4618, CHATTANOOGA, TN 37405-1439 |
| Document Number | 0000000131 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 2023081000131 |
| Name | BUILTWELL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 10, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 23, 2022 |
| Property Address | 308 PINE RIDGE RD, CHATTANOOGA, TN 37405-3430 |
| Document Number | 0000000037 |
| Book / Page | 13149 / 739 |
| Map Reference | MB 12 PG 24 |
| Instrument Date | Nov 22, 2022 |
| Instrument | 2022112300037 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | UNKNOWN, BRIDGE CITY TTL EAST BRAINER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $647.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 334 PINE RIDGE RD, CHATTANOOGA, TN 37405-3430 |
| Document Number | 0131490743 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | 13149-0743 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
The 2025 property tax bill for 308 Pine Ridge Rd was $3,178, up 48.8% from the year before.
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,178.00 (+48.78%) | $209,675 (+119.61%) | $838,700 (+119.61%) Land $150,000 Building $688,700 |
| 2024 | $2,136.00 (+355.44%) | $95,475 (+354.64%) | $381,900 (+354.64%) Land $84,000 Building $297,900 |
| 2023 | $469.00 | $21,000 (-) | $84,000 (-) Land $84,000 |
| 2022 | $469.00 | $21,000 | $84,000 Land $84,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 308 Pine Ridge Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 8 (1978–2009) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Sep 2009 · rainfall accumulation |
| Claims by Event |
|
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 308 Pine Ridge Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 446 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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