2016 Black Bear Pass, Harrison, TN 37341 Property Records

Hamilton County property record for 2016 Black Bear Pass, Harrison, TN 37341

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,895 sqft · built 2021
Lot Size	2.42 acres (105,415 sqft)
Owner	2 Individual Names on File
Last Sale	$869,900 (Feb 2023)
Tax Bill	$3,304 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jun 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`103 020.06`

Property Details

APN / Parcel Number

Primary APN	`103 020.06`
Alternative APN	`0000165616`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,895 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	105,415 sqft (2.42 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000165616
Old Parcel Number	103 020.06
Street Address	2016 BLACK BEAR PASS
City	HARRISON
State	TN
Zip	37341-1700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 BEAR VALLEY SUB PB94 PG64 OUT OF 103-20 FOR 2011
Legal Subdivision	BEAR VALLEY SUB
Legal Lot Number	6
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	4
Census Block	4001
Census Tract	11447

Owner

2016 Black Bear Pass is owned and occupied by two individuals who acquired it in July 2026.

Source: Hamilton County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NATIONAL BANK
Feb 2, 2023	Warranty Deed, Transfer · Conventional Mortgage PINNCACLE BANK
Dec 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 24, 2020	Warranty Deed, Construction Loan · Line of Credit FIRST CITIZENS NAT'L BK
Sep 11, 2020	Warranty Deed, Construction Loan · Construction Mortgage FIRST CITIZENS NAT'L BK
Jul 6, 2018	Quit Claim Deed, Transfer FILE FIRST CHOICE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2023 · Amount on File
Deed Sale	Feb 2, 2023 · Amount on File
Prior Sale	Nov 24, 2020 · Amount on File
Deed Document Number	202383
Deed Book / Page	13202 / 585
Last Transfer Date	Jul 30, 2026
Transfer Doc	0000000194
Record Updated	Sep 20, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 5, 2026
Property Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700
Document Number	0000000194
Book / Page	14395 / 171
Instrument Date	Jul 30, 2026
Instrument	2026194
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000241
Date	Jun 7, 2022
Book Page	12985/586
Instrument	2022060700241

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank
Address	DYERSBURG, TN 38024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.55%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2025
Change Frequency	3 Years
Min Rate At Change	4.5%
Max Rate At Change	7.05%
Index	3-Year CMT
Max Rate	14.5%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 2, 2023
Property Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700
Document Number	0000000083
Book / Page	13202 / 585
Map Reference	MB 94 PG 64
Instrument Date	Jan 30, 2023
Instrument	2023020200083
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,218.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700

Mortgage

Document Number	0132020588
Date	Feb 2, 2023
Instrument	13202-0588

Lender

Name	PINNCACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 3, 2020
Property Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700
Document Number	1203000071
Book / Page	012255 / 000820
Instrument Date	Dec 1, 2020
Instrument	201203000071
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8636 MASONS GATE LN CHATTANOOGA TN 374211829, CHATTANOOGA, TN 37421-1829

November 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 24, 2020
Property Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700
Document Number	1124000127
Book / Page	012244 / 000941
Instrument Date	Nov 20, 2020
Instrument	201124000127
Transaction Type	Construction Loan
Record Updated	Dec 7, 2020
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC

Transaction

Amount	Amount on Record
Tax	$283.00
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	2016 BLACK BEAR PASS HARRISON TN 37341, HARRISON, TN 37341

Mortgage

Document Number	1124000128
Date	Nov 24, 2020
Book Page	012244/000943
Instrument	201124000128

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Nov 23, 2021

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 11, 2020
Property Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700
Document Number	0911000262
Book / Page	012149 / 000059
Instrument Date	Sep 9, 2020
Instrument	200911000262
Transaction Type	Construction Loan
Record Updated	Oct 20, 2020
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC

Transaction

Amount	Amount on Record
Tax	$259.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1644 ROSSVILLE AVE CHATTANOOGA TN 374081908, CHATTANOOGA, TN 37408-1908
Investor	Possibly a Property Investor

Mortgage

Document Number	911000263
Date	Sep 11, 2020
Book Page	012149/000061
Instrument	200911000263

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 10, 2021

Interest

Rate Type	Adjustable Rate

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 6, 2018
Property Address	2016 BLACK BEAR PASS, HARRISON, TN 37341-1700
Document Number	0706000244
Book / Page	011394 / 000084
Instrument Date	Jul 3, 2018
Instrument	180706000244
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	FILE FIRST CHOICE TITLE

Transaction

Amount	Amount on Record
Tax	$888.00
Amount Accuracy	Confirmed
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1506 OOLTEWAH RINGGOLD RD OOLTEWAH TN 373639380, OOLTEWAH, TN 37363-9380

Tax Assessment & Valuation

The 2025 property tax bill for 2016 Black Bear Pass was $3,304, up 2.4% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,304.00 (+2.45%)	$218,000 (+51.21%)	$872,000 (+51.21%) Land $100,600 Building $771,400
2024	$3,225.00 (-0.28%)	$144,175 (-)	$576,700 (-) Land $55,500 Building $521,200
2023	$3,234.00	$144,175	$576,700 Land $55,500 Building $521,200

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

FEMA maps place 2016 Black Bear Pass in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 2016 Black Bear Pass is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 62% 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	EASTSIDE UTILITY DISTRICT serves 59,612 people · EPA ID TN0000219
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	2 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	3 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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