Hamilton County property record for 2862 Reflection Ln, Ooltewah, TN 37363
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,486 sqft · built 2008 |
| Lot Size | 0.414 acres (18,050 sqft) |
| Owner | Individual Name on File |
| Last Sale | $490,000 (Jun 2017) |
| Tax Bill | $3,500 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150J E 037 |
| Primary APN | 150J E 037 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,486 sqft Living Area |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,050 sqft (0.414 acres) |
| Lot Dimensions | 190 ft deep x 95 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000154828 |
|---|---|
| Street Address | 2862 REFLECTION LN |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-4867 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 85 HIDDEN LAKES SUB PB79 PG165 OUT OF 150-165.01 FOR 2006 |
| Legal Subdivision | HIDDEN LAKES SUB |
| Legal Lot Number | 85 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11314 |
2862 Reflection Ln is owned and occupied by an individual who bought it in June 2017.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2862 REFLECTION LN, OOLTEWAH, TN 37363-4867 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 25, 2020 | Deed of Trust, Mortgage · Line of Credit TENNESSEE VLY FCU |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional with PMI MUTUAL/OMAHA MTG LLC |
| Jun 19, 2017 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2017 · Amount on File |
| Deed Sale | Jun 19, 2017 · Amount on File |
| Prior Sale | Nov 26, 2008 · Amount on File |
| Deed Document Number | 2017061900337 |
| Deed Book / Page | 11079 / 078 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2862 REFLECTION LN, OOLTEWAH, TN 37363-4867 |
| Document Number | 1002000112 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2020 |
| Title Company | CUMBERLAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2862 REFLECTION LN OOLTEWAH TN 373634867, OOLTEWAH, TN 37363-4867 |
| Document Number | 1002000112 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 012175/000926 |
| Instrument | 201002000112 |
| Name | TENNESSEE VLY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2862 REFLECTION LN, OOLTEWAH, TN 37363-4867 |
| Document Number | 0729000025 |
| Instrument Date | Jul 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2862 REFLECTION LN OOLTEWAH TN 373634867, OOLTEWAH, TN 37363-4867 |
| Document Number | 0729000025 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 012092/000018 |
| Instrument | 200729000025 |
| Name | MUTUAL/OMAHA MTG LLC |
|---|---|
| Address | LOMBARD, IL 60148 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 19, 2017 |
| Property Address | 2862 REFLECTION LN, OOLTEWAH, TN 37363-4867 |
| Document Number | 0000000337 |
| Book / Page | 11079 / 078 |
| Map Reference | MB79 PG165 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 2017061900337 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | CUMBERLAND TITLE & GUARANTY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,613.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 2862 REFLECTION LN, OOLTEWAH, TN 37363-4867 |
| Document Number | 0000000338 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 2017061900338 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 2862 Reflection Ln was $3,500, up 7.8% from the year before.
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 | $3,500.00 (+7.83%) | $230,950 (+59.17%) | $923,800 (+59.17%) Land $80,000 Building $843,800 |
| 2024 | $3,246.00 (-0.28%) | $145,100 (-) | $580,400 (-) Land $55,000 Building $525,400 |
| 2023 | $3,255.00 | $145,100 | $580,400 Land $55,000 Building $525,400 |
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.
FEMA maps place 2862 Reflection Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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.
Wildfire risk around 2862 Reflection Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 49% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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