408 Pine Bluff Dr, Chattanooga, TN 37412 Property Records

Hamilton County property record for 408 Pine Bluff Dr, Chattanooga, TN 37412

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,454 sqft · built 1980
Lot Size	0.894 acres (38,983 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Oct 2023)
Tax Bill	$1,829 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`170J B 043.18`

Property Details

APN / Parcel Number

Primary APN	`170J B 043.18`
Alternative APN	`0000116910`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,454 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	38,983 sqft (0.894 acres)
Lot Dimensions	165 ft deep x 110 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000116910
Street Address	408 PINE BLUFF DR
City	CHATTANOOGA
State	TN
Zip	37412-4144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 11 PINE RIDGE ESTS 32-99 LT 2 DESAI SUB PB49 PG 103
Legal Subdivision	PINE RIDGE ESTATES
Legal Lot Number	11
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	1
Census Block	1006
Census Tract	11442

Owner

Source: Hamilton County records, as of March 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	408 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 11, 2023	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 14, 2020	Warranty Deed, Transfer REGIONS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2023 · Amount on File
Deed Sale	Oct 11, 2023 · Amount on File
Prior Sale	Aug 14, 2020 · Amount on File
Deed Document Number	2023123
Deed Book / Page	13421 / 518
Prior Transfer Date	Feb 28, 2009
Prior Transfer Doc	0000000184
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	408 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144

Mortgage

Document Number	0000000008
Date	Jun 23, 2025
Book Page	13959/645
Instrument	2025062300008

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 11, 2023
Property Address	408 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Document Number	0000000123
Book / Page	13421 / 518
Map Reference	MB 32 PG 99
Instrument Date	Oct 10, 2023
Instrument	2023101100123
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,646.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144

Mortgage

Document Number	0000000124
Date	Oct 11, 2023
Instrument	2023101100124

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 14, 2020
Property Address	408 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Document Number	0814000133
Book / Page	012113 / 000806
Instrument Date	Aug 14, 2020
Instrument	200814000133
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	CENTRAL FLORIDA TITLE COMPANY, CENTRAL TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,129.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	408 PINE BLUFF DR CHATTANOOGA TN 374124144, CHATTANOOGA, TN 37412-4144

Mortgage

Document Number	814000134
Date	Aug 14, 2020
Book Page	012113/000808
Instrument	200814000134

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2050

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	$1,829.00 (+8.8%)	$120,725 (+60.59%)	$482,900 (+60.59%) Land $60,000 Building $422,900
2024	$1,681.00 (-36.08%)	$75,175 (-)	$300,700 (-) Land $60,000 Building $240,700
2023	$2,630.00	$75,175 (-)	$300,700 (-) Land $60,000 Building $240,700
2022	$2,630.00	$75,175	$300,700 Land $60,000 Building $240,700

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 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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