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2804 Reflection Ln, Ooltewah, TN 37363 Property Records

Hamilton County property record for 2804 Reflection Ln, Ooltewah, TN 37363 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,625 sqft · built 2014
Lot Size0.139 acres (6,076 sqft)
Owner2 Individual Names on File
Last Sale$414,000 (Dec 2016)
Tax Bill$2,344 (2025)
Deeds & MortgagesAug 2021 Mortgage
Oct 2021 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN150J E 034

Property Details

APN / Parcel Number

Primary APN150J E 034
Alternative APN
  • 0000154825

Interior

Full Baths3 Baths
Stories2 Stories
Building Area2,625 sqft Living Area

Exterior

Year BuiltBuilt 2014
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,076 sqft (0.139 acres)
Lot Dimensions98 ft deep x 62 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000154825
Street Address2804 REFLECTION LN
CityOOLTEWAH
StateTN
Zip37363-4867
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 88 HIDDEN LAKES SUBPHASE 2 PB79 PG165 OUT OF 150-165.01 FOR 2006
Legal SubdivisionHIDDEN LAKES SUB
Legal Phase2
Legal Lot Number88
JurisdictionHAMILTON TN
Township / Civil Division7
Census Block Group2
Census Block2000
Census Tract11314

Owner

Source: Hamilton County records · APN 150J E 034

Assessment roll updated May 20, 2025 · Last verified January 2026

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

Owner of Record2 Individual Names on File
Mailing Address2804 REFLECTION LN, OOLTEWAH, TN 37363-4867
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST HORIZON BANK
Oct 26, 2021Deed of Trust, Mortgage · Line of Credit
FIRST HORIZON BANK
Oct 04, 2019Deed of Trust, Mortgage · Line of Credit
FIRST TN BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 14, 2016 · Amount on Record
Deed SaleDec 14, 2016 · Amount on Record
Prior SaleAug 15, 2014 · Amount on Record
Deed Document Number2016121400065
Deed Book / Page10929 / 849
Record UpdatedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address2804 REFLECTION LN, OOLTEWAH, TN 37363-4867
Transaction TypeMortgage
Record UpdatedSep 25, 2025
Title CompanyCUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000135
DateAug 12, 2021
Book Page12606/380
Instrument2021081200135
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address2804 REFLECTION LN, OOLTEWAH, TN 37363-4867
Transaction TypeMortgage
Record UpdatedSep 25, 2025
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address2804 REFLECTION LN, OOLTEWAH, TN 37363-4867

Mortgage

Document Number0000000007
DateOct 26, 2021
Book Page12705/627
Instrument2021102600007
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38118
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueOct 19, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address2804 REFLECTION LN, OOLTEWAH, TN 37363-4867
Document Number1018000179
Instrument DateOct 04, 2019
Transaction TypeMortgage
Record UpdatedNov 04, 2019
Title CompanyTITLE365 - OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address2804 REFLECTION LN OOLTEWAH TN 373634867, OOLTEWAH, TN 37363-4867

Mortgage

Document Number1018000179
DateOct 18, 2019
Book Page011793/000346
Instrument191018000179
Lender
NameFIRST TN BK
TypeBank
AddressMEMPHIS, TN 38118
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueOct 17, 2049
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,344.00 (-5.75%)$154,650 (+39.07%)$618,600 (+39.07%) Land $80,000 Building $538,600
2024$2,487.00 (-0.36%)$111,200 (-)$444,800 (-) Land $55,000 Building $389,800
2023$2,496.00$111,200$444,800 Land $55,000 Building $389,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470650113142, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2013)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 2013, river or lake flooding

Wildfire

Wildfire RiskLow
above 36% of the US · above 53% of Tennessee
Wildfire LikelihoodAbout 1 in 3,125 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 268 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Electric Power Board of Chattanooga, TennesseeFiber100,000 / 100,000
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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