439 Pine Bluff Dr, Chattanooga, TN 37412 Property Records

Hamilton County property record for 439 Pine Bluff Dr, Chattanooga, TN 37412

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,762 sqft · built 1994
Lot Size	0.36 acres (15,697 sqft)
Owner	Owner Name on File
Last Sale	$250,000 (Jun 2003)
Tax Bill	$1,840 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`170J B 043.02`

Property Details

APN / Parcel Number

Primary APN	`170J B 043.02`
Alternative APN	`0000116894`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,762 sqft Living Area

Exterior

Year Built	Built 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,697 sqft (0.36 acres)
Lot Dimensions	136 ft deep x 115 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000116894
Old Parcel Number	170J B 04302
Street Address	439 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 27 PINE RIDGE ESTS PB 32 PG 99
Legal Subdivision	PINE RIDGE ESTATES
Legal Lot Number	27
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 May 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	439 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 3, 2003 · Amount on Record
Deed Sale	Jun 3, 2003 · Amount on Record
Deed Document Number	2003060300409
Deed Book / Page	6699 / 423
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	439 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 PINE BLUFF DR, CHATTANOOGA, TN 37412-4143

Mortgage

Document Number	0000000064
Date	Jun 17, 2025
Book Page	13955/309
Instrument	2025061700064

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,840.00 (-3.26%)	$121,400 (+42.74%)	$485,600 (+42.74%) Land $60,000 Building $425,600
2024	$1,902.00 (-36.05%)	$85,050 (-)	$340,200 (-) Land $60,000 Building $280,200
2023	$2,974.00	$85,050 (-)	$340,200 (-) Land $60,000 Building $280,200
2022	$2,974.00	$85,050	$340,200 Land $60,000 Building $280,200

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 94% of the US · lower than 94% of Tennessee
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Electric Power Board of Chattanooga, Tennessee Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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