Hamilton County property record for 427 Pine Bluff Dr, Chattanooga, TN 37412
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,348 sqft · built 1985 |
| Lot Size | 0.681 acres (29,676 sqft) |
| Owner | Individual Name on File |
| Last Sale | $222,000 (Jan 2016) |
| Tax Bill | $1,587 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 170J B 043.06 |
| Primary APN | 170J B 043.06 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,348 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 29,676 sqft (0.681 acres) |
| Lot Dimensions | 247 ft deep x 120 ft wide |
| Pool Area | 648 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000116898 |
|---|---|
| Old Parcel Number | 170J B04306 |
| Street Address | 427 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 23 PINE RIDGE ESTS 32-99 |
| Legal Subdivision | PINE RIDGE ESTATES |
| Legal Lot Number | 23 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 11442 |
427 Pine Bluff Dr is owned and occupied by an individual who bought it in January 2016.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 427 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2016 · Amount on File |
| Deed Sale | Jan 28, 2016 · Amount on File |
| Deed Document Number | 2016012800097 |
| Deed Book / Page | 10660 / 459 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 427 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000176 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 12435/679 |
| Instrument | 2021040800176 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 427 Pine Bluff Dr was $1,587, down 5.3% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | East Ridge City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,587.00 (-5.25%) | $104,750 (+39.85%) | $419,000 (+39.85%) Land $60,000 Building $359,000 |
| 2024 | $1,675.00 (-36.07%) | $74,900 (-) | $299,600 (-) Land $60,000 Building $239,600 |
| 2023 | $2,620.00 | $74,900 (-) | $299,600 (-) Land $60,000 Building $239,600 |
| 2022 | $2,620.00 | $74,900 | $299,600 Land $60,000 Building $239,600 |
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 427 Pine Bluff Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1982.
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 |
|
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 427 Pine Bluff Dr is low, with a 0.03% annual chance of 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.
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 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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