401 Pine Bluff Dr, Chattanooga, TN 37412 Property Records

Hamilton County property record for 401 Pine Bluff Dr, Chattanooga, TN 37412

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,105 sqft · built 1981
Lot Size	0.694 acres (30,266 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jan 2011)
Tax Bill	$2,032 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`170J B 043.14`

Property Details

APN / Parcel Number

Primary APN	`170J B 043.14`
Alternative APN	`0000116906`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,105 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1982
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	30,266 sqft (0.694 acres)
Lot Dimensions	333 ft deep x 90 ft wide
Pool Area	806 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000116906
Street Address	401 PINE BLUFF DR
City	CHATTANOOGA
State	TN
Zip	37412-4143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 15 PINE RIDGE ESTATES PB 32 PG 99
Legal Subdivision	PINE RIDGE ESTATES
Legal Lot Number	15
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	1
Census Block	1006
Census Tract	11442

Owner

Source: Hamilton County assessment roll, 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 File
Mailing Address	401 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Nov 13, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 28, 2011 · Amount on Record
Deed Sale	Jan 28, 2011 · Amount on Record
Deed Document Number	2011118
Deed Book / Page	9339 / 53
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 27, 2026
Property Address	401 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143
Document Number	0000000210
Book / Page	14382 / 229
Instrument Date	Jul 27, 2026
Instrument	2026210
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$191,147.55
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143

Mortgage

Document Number	0000000211,
Date	Jul 27, 2026
Book Page	14382/232
Instrument	20260727211

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	401 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000140
Date	Nov 13, 2024
Book Page	13760/197
Instrument	2024111300140

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Dec 4, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	401 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000297
Date	Nov 18, 2021
Book Page	12739/916
Instrument	2021111800297

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	East Ridge City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,032.00 (-1.69%)	$134,100 (+45.13%)	$536,400 (+45.13%) Land $60,000 Building $476,400
2024	$2,067.00 (-36.03%)	$92,400 (-)	$369,600 (-) Land $60,000 Building $309,600
2023	$3,231.00	$92,400 (-)	$369,600 (-) Land $60,000 Building $309,600
2022	$3,231.00	$92,400	$369,600 Land $60,000 Building $309,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	5 in force
Nearby Flood Claims	14 (1982–2009)
Claims Outside the SFHA	6 of 14
Most Recent Claim	Sep 2009 · river or lake flooding
Claims by Event	Extensive Rainfall And Flash Flooding, Mar 1994 · 3 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 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.03% 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum, Verizon.

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