169 Cherokee Ridge Dr, Ocoee, TN 37361 Property Records

Polk County property record for 169 Cherokee Ridge Dr, Ocoee, TN 37361

Property Summary

Property Type	Single Family Home
Details	4 ba · 5,724 sqft · built 2009
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$820,000 (May 2024)
Tax Bill	$2,856 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`075L-A-065.00`

Property Details

APN / Parcel Number

Primary APN	`075L-A-065.00`
Alternative APNs	`01075LA075L06500` `070075L A 06500`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	5,724 sqft Living Area
Gross Area	6,660 sqft
1st Floor Area	1,596 sqft
Upper Floors Area	1,596 sqft
Basement Area	1,596 sqft
Finished Basement	1,596 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	392 sqft
Deck Area	420 sqft
Patio Area	1,320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	169 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: 65
Legal Subdivision	OCOEE MOUNTAIN CLUB
Legal Lot Number	65
Jurisdiction	POLK TN
Township / Civil Division	2
Census Block Group	1
Census Block	1043
Census Tract	950300

Owner

Source: Polk County records, as of July 17, 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 Record
Mailing Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
May 16, 2022	Deed of Trust, Mortgage · Line of Credit SMARTBANK
Dec 20, 2019	Deed of Trust, Mortgage · Line of Credit CAPSTAR BANK
Sep 21, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAPSTAR BANK
Oct 25, 2019	Warranty Deed, Transfer · Conventional Mortgage CAPSTAR BANK
Feb 26, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2024 · Amount on Record
Deed Sale	May 21, 2024 · Amount on Record
Prior Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	20241173
Deed Book / Page	356 / 365
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jul 16, 2026
Property Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Document Number	0000002177
Book / Page	7 / 1138
Instrument Date	Jul 15, 2026
Instrument	20262177
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	EQUI TITLE INC, EQUI TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328,108.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464

Mortgage

Document Number	0000002178,
Date	Jul 16, 2026
Instrument	20262178

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464

Mortgage

Document Number	0TD561/382
Date	May 16, 2022
Book Page	TD561/382
Instrument	22001567

Lender

Name	SMARTBANK
Type	Bank
Address	DAYTON, TN 37321

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 9, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002814
Date	Dec 20, 2019
Book Page	TD519/262
Instrument	19002814

Lender

Name	CAPSTAR BANK
Type	Bank
Address	NASHVILLE, TN 37230

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 3, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002227
Date	Sep 21, 2020
Book Page	TD531/16
Instrument	20002227

Lender

Name	CAPSTAR BANK
Type	Bank
Address	NASHVILLE, TN 37215

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2030

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Oct 25, 2019
Property Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Document Number	0WD318/433
Book / Page	WD318 / 433
Map Reference	MB 12 PG 34
Instrument Date	Oct 24, 2019
Instrument	19002308
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	EQUITITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464

Mortgage

Document Number	0019002309
Date	Oct 25, 2019
Instrument	19002309

Lender

Name	CAPSTAR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	169 CHEROKEE RIDGE DR, OCOEE, TN 37361-3464
Document Number	0000000533
Instrument Date	Feb 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	169 CHEROKEE RIDGE DR OCOEE TN 373613464, OCOEE, TN 37361-3464

Mortgage

Document Number	0000000533
Date	Mar 13, 2018
Book Page	000496/000473
Instrument	533

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2048

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	$2,856.00	$169,050 (-) Land $7,500 Building $161,550	$676,200 (-) Land $30,000 Building $646,200
2024	$2,856.00	$169,050 (-) Land $7,500 Building $161,550
2023	$2,856.00 (+16.62%)	$169,050 (+73.38%) Land $7,500 Building $161,550	$676,200 (+73.38%) Land $30,000 Building $646,200
2022	$2,449.00	$97,500 Land $5,400 Building $92,100	$390,000 Land $21,600 Building $368,400

Assessed value is set for property tax purposes, not a market price estimate; it is 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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