418 Pine Bluff Dr, Chattanooga, TN 37412 Property Records

Hamilton County property record for 418 Pine Bluff Dr, Chattanooga, TN 37412

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,777 sqft · built 1989
Lot Size	0.447 acres (19,503 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Dec 2020)
Tax Bill	$1,803 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`170J B 043.22`

Property Details

APN / Parcel Number

Primary APN	`170J B 043.22`
Alternative APN	`0000116914`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,777 sqft Living Area

Exterior

Year Built	Built 1989
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,503 sqft (0.447 acres)
Lot Dimensions	177 ft deep x 110 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000116914
Old Parcel Number	170J B 04322
Street Address	418 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	LT 7 PINE RIDGE ESTATES PB 32 PG 99
Legal Subdivision	PINE RIDGE ESTATES
Legal Lot Number	7
Jurisdiction	HAMILTON TN
Township / Civil Division	8
Census Block Group	1
Census Block	1006
Census Tract	11442

Owner

Source: Hamilton County records, as of December 31, 2025

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	418 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 8, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF CLEVELAND
Mar 21, 2020	Deed of Trust, Mortgage · VA Mortgage TJC MTG
Sep 17, 2018	Warranty Deed, Transfer · Conventional Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on Record
Deed Sale	Dec 8, 2020 · Amount on Record
Prior Sale	Sep 17, 2018 · Amount on Record
Deed Document Number	2020120800035
Deed Book / Page	12263 / 825
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	418 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000195
Date	Oct 2, 2023
Book Page	13414/116
Instrument	2023100200195

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Aug 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 8, 2020
Property Address	418 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Document Number	1208000035
Book / Page	012263 / 000825
Instrument Date	Nov 23, 2020
Instrument	201208000035
Transaction Type	Transfer
Record Updated	Dec 21, 2020
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,406.00
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	418 PINE BLUFF DR CHATTANOOGA TN 374124144, CHATTANOOGA, TN 37412-4144

Mortgage

Document Number	1208000036
Date	Dec 8, 2020
Book Page	012263/000828
Instrument	201208000036

Lender

Name	BANK OF CLEVELAND
Type	Bank
Address	CLEVELAND, TN 37311

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	418 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Document Number	0326000134
Instrument Date	Mar 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	418 PINE BLUFF DR CHATTANOOGA TN 374124144, CHATTANOOGA, TN 37412-4144

Mortgage

Document Number	0326000134
Date	Mar 26, 2020
Book Page	011949/000868
Instrument	200326000134

Lender

Name	TJC MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 17, 2018
Property Address	418 PINE BLUFF DR, CHATTANOOGA, TN 37412-4144
Document Number	0917000222
Book / Page	011454 / 000315
Instrument Date	Sep 17, 2018
Instrument	180917000222
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	FIRST CHOICE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,126.65
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	418 PINE BLUFF DR CHATTANOOGA TN 374124144, CHATTANOOGA, TN 37412-4144

Mortgage

Document Number	917000223
Date	Sep 17, 2018
Book Page	011454/000317
Instrument	180917000223

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2048

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

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	$1,803.00 (+4.76%)	$119,000 (+54.7%)	$476,000 (+54.7%) Land $60,000 Building $416,000
2024	$1,721.00 (-36.05%)	$76,925 (-)	$307,700 (-) Land $60,000 Building $247,700
2023	$2,691.00	$76,925 (-)	$307,700 (-) Land $60,000 Building $247,700
2022	$2,691.00	$76,925	$307,700 Land $60,000 Building $247,700

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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