Hamilton County property record for 2940 Reflection Ln, Ooltewah, TN 37363
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 4,104 sqft · built 2011 |
| Lot Size | 0.446 acres (19,461 sqft) |
| Owner | Individual Name on File |
| Last Sale | $510,000 (Oct 2017) |
| Tax Bill | $3,555 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150J E 044 |
| Primary APN | 150J E 044 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,104 sqft Living Area |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 19,461 sqft (0.446 acres) |
| Lot Dimensions | 204 ft deep x 95.4 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000154835 |
|---|---|
| Street Address | 2940 REFLECTION LN |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-6937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 78 HIDDEN LAKES SUB PB79 PG165 OUT OF 150-165.01 FOR 2006 |
| Legal Subdivision | HIDDEN LAKES SUB |
| Legal Lot Number | 78 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 11314 |
Source: Hamilton County records · APN 150J E 044
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2940 REFLECTION LN, OOLTEWAH, TN 37363-6937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2017 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Oct 12, 2017 | Warranty Deed, Transfer · ARM CAPITAL ONE NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 12, 2017 · Amount on Record |
| Deed Sale | Oct 12, 2017 · Amount on Record |
| Prior Sale | Feb 25, 2014 |
| Deed Document Number | 2017101200120 |
| Deed Book / Page | 11177 / 471 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2940 REFLECTION LN, OOLTEWAH, TN 37363-6937 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000180 |
|---|---|
| Date | Aug 17, 2017 |
| Book Page | 11131/688 |
| Instrument | 2017081700180 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 03, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 12, 2017 |
| Property Address | 2940 REFLECTION LN, OOLTEWAH, TN 37363-6937 |
| Document Number | 0000000120 |
| Book / Page | 11177 / 471 |
| Map Reference | MB79 PG165 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 2017101200120 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | FOUNDATION TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,887.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 2940 REFLECTION LN, OOLTEWAH, TN 37363-6937 |
| Document Number | 0000000121 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 2017101200121 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Nov 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Unified School District | Hamilton County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,555.00 (+3.37%) | $234,550 (+52.55%) | $938,200 (+52.55%) Land $80,000 Building $858,200 |
| 2024 | $3,439.00 (-0.26%) | $153,750 (-) | $615,000 (-) Land $55,000 Building $560,000 |
| 2023 | $3,448.00 | $153,750 | $615,000 Land $55,000 Building $560,000 |
Source: FEMA National Flood Hazard Layer as of August 30, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 261 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | EASTSIDE UTILITY DISTRICT serves 59,612 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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