Hamilton County property record for 2963 E Freedom Cir, Ooltewah, TN 37363
| Property Type | Rural Home |
|---|---|
| Details | 2 ba · 1,632 sqft · built 1974 |
| Lot Size | 0.328 acres (14,320 sqft) |
| Owner | Individual Name on File |
| Last Sale | $251,400 (Jul 2022) |
| Tax Bill | $1,034 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150J B 003 |
| Primary APN | 150J B 003 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 14,320 sqft (0.328 acres) |
| Lot Dimensions | 179 ft deep x 80 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000085832 |
|---|---|
| Street Address | 2963 E FREEDOM CIR |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-8582 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RR |
| Legal Description | LT 25 MAPLEWOOD HEIGHTS UNIT IV PHASE I PB 26 PG 118 |
| Legal Subdivision | MAPLEWOOD HEIGHTS |
| Legal Phase | 1 |
| Legal Lot Number | 25 |
| Legal Unit | IV |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 11314 |
2963 E Freedom Cir, a rural home, is owned and occupied by an individual who bought it in July 2022.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2963 E FREEDOM CIR, CHATTANOOGA, TN 37421 |
| 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 |
|---|---|
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Jul 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2022 · Amount on File |
| Deed Sale | Jul 15, 2022 · Amount on File |
| Prior Sale | Feb 11, 2016 |
| Deed Document Number | 2022071500115 |
| Deed Book / Page | 13027 / 160 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2963 E FREEDOM CIR, OOLTEWAH, TN 37363-8582 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000175 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 12562/587 |
| Instrument | 2021071200175 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 12, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 15, 2022 |
| Property Address | 2963 E FREEDOM CIR, OOLTEWAH, TN 37363-8582 |
| Document Number | 0000000115 |
| Book / Page | 13027 / 160 |
| Map Reference | MB 26 PG 118 |
| Instrument Date | Jul 13, 2022 |
| Instrument | 2022071500115 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $930.18 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2963 E FREEDOM CRICEL, CHATTANOOGA, TN 37421 |
| Document Number | 0130270163 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 13027-0163 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
The 2025 property tax bill for 2963 E Freedom Cir was $1,034, up 7.3% 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 | $1,034.00 (+7.26%) | $68,275 (+58.32%) | $273,100 (+58.32%) Land $70,000 Building $203,100 |
| 2024 | $964.00 (-0.92%) | $43,125 (-) | $172,500 (-) Land $45,000 Building $127,500 |
| 2023 | $973.00 | $43,125 | $172,500 Land $45,000 Building $127,500 |
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 2963 E Freedom Cir 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 2963 E Freedom Cir is low, with a 0.03% 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 | 0.03% 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 244 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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