Hamilton County property record for 2823 Reflection Ln, Ooltewah, TN 37363
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 4,725 sqft · built 2009 |
| Lot Size | 0.258 acres (11,244 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Mar 2011) |
| Tax Bill | $3,406 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150J E 032 |
| Primary APN | 150J E 032 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,725 sqft Living Area |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,244 sqft (0.258 acres) |
| Lot Dimensions | 215 ft deep x 52.3 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000154823 |
|---|---|
| Street Address | 2823 REFLECTION LN |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-4868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 90 HIDDEN LAKES SUB PB79 PG165 OUT OF 150-165.01 FOR 2006 |
| Legal Subdivision | HIDDEN LAKES SUB |
| Legal Lot Number | 90 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11314 |
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2823 REFLECTION LN, OOLTEWAH, TN 37363-4868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| May 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 22, 2011 · Amount on Record |
| Deed Sale | Mar 22, 2011 · Amount on Record |
| Prior Sale | Nov 24, 2009 · Amount on Record |
| Deed Document Number | 2011032200045 |
| Deed Book / Page | 9369 / 825 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2823 REFLECTION LN, OOLTEWAH, TN 37363-4868 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000000159 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 12784/664 |
| Instrument | 2021122700159 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | CHATTANOOGA, TN 37421 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2823 REFLECTION LN, OOLTEWAH, TN 37363-4868 |
| Document Number | 0000000235 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2823 REFLECTION LN OOLTEWAH TN 373634868, OOLTEWAH, TN 37363-4868 |
| Document Number | 0000000235 |
|---|---|
| Date | Jun 1, 2018 |
| Book Page | 011363/000260 |
| Instrument | 235 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2048 |
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,406.00 (+13.34%) | $224,750 (+67.32%) | $899,000 (+67.32%) Land $80,000 Building $819,000 |
| 2024 | $3,005.00 (-0.3%) | $134,325 (-) | $537,300 (-) Land $55,000 Building $482,300 |
| 2023 | $3,014.00 | $134,325 | $537,300 Land $55,000 Building $482,300 |
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.
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 | 4 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2013 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 51% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 261 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 | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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