161 Cherokee Ridge Dr, Ocoee, TN 37361 Property Records

Polk County property record for 161 Cherokee Ridge Dr, Ocoee, TN 37361

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,240 sqft · built 2009
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jan 2020)
Tax Bill	$1,842 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`075L-A-063.00`

Property Details

APN / Parcel Number

Primary APN	`075L-A-063.00`
Alternative APNs	`01075LA075L06300` `070075L A 06300`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,240 sqft Living Area
Gross Area	3,960 sqft
1st Floor Area	1,320 sqft
Upper Floors Area	1,320 sqft
Basement Area	1,320 sqft
Finished Basement	600 sqft
Unfinished Basement	720 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	L-Shape
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	448 sqft
Deck Area	180 sqft
Patio Area	537 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	161 CHEROKEE RIDGE DR
City	OCOEE
State	TN
Zip	37361-3464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OCOEE MOUNTAIN CLUB PB: 12 PG: 34 LOT: 63
Legal Subdivision	OCOEE MOUNTAIN CLUB
Legal Lot Number	63
Jurisdiction	POLK TN
Township / Civil Division	2
Census Block Group	1
Census Block	1043
Census Tract	950300

Owner

Source: Polk County records, as of March 25, 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 Record
Mailing Address	161 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jan 7, 2020	Warranty Deed, Transfer · VA Mortgage BANK OF CLEVELAND
Oct 31, 2017	Warranty Deed, Transfer · FHA Mortgage PLATINUM MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2020 · Amount on Record
Deed Sale	Jan 7, 2020 · Amount on Record
Prior Sale	Oct 31, 2017 · Amount on Record
Deed Document Number	202033
Deed Book / Page	320 / 145
Transfer Doc	0WD265/440
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	161 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00TD553/11
Date	Dec 6, 2021
Book Page	TD553/11
Instrument	21003486

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jan 7, 2020
Property Address	161 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Document Number	0000000033
Book / Page	000320 / 000145
Instrument Date	Jan 3, 2020
Instrument	33
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	TITLE INSURANCE COMPANY, TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
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	161 CHEROKEE RIDGE DR OCOEE TN 373613464, OCOEE, TN 37361-3464

Mortgage

Document Number	34
Date	Jan 7, 2020
Book Page	000520/000047
Instrument	34

Lender

Name	BANK OF CLEVELAND
Type	Bank
Address	CLEVELAND, TN 37311

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Oct 31, 2017
Property Address	161 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Document Number	0WD306/123
Book / Page	WD306 / 123
Map Reference	MB 12 PG 34
Instrument Date	Oct 27, 2017
Instrument	17002290
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	EQUI TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$869.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464

Mortgage

Document Number	0017002291
Date	Oct 31, 2017
Instrument	17002291

Lender

Name	PLATINUM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,842.00	$109,050 (-) Land $7,500 Building $101,550	$436,200 (-) Land $30,000 Building $406,200
2024	$1,842.00	$109,050 (-) Land $7,500 Building $101,550
2023	$1,842.00 (+15.41%)	$109,050 (+71.6%) Land $7,500 Building $101,550	$436,200 (+71.6%) Land $30,000 Building $406,200
2022	$1,596.00	$63,550 Land $5,400 Building $58,150	$254,200 Land $21,600 Building $232,600

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.

Flood

Source: FEMA National Flood Hazard Layer, effective May 18, 2009 · 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	21 (1994–2020)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 4 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 4 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	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 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	2 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
America Internet & Communications Fixed Wireless	75 / 25
AT&T Fixed Wireless	25 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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