Hamilton County property record for 3103 Reflection Ln, Ooltewah, TN 37363 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 2006 |
| Square Footage | 5,022 sqft Living Area |
| Lot Size | 18,412 sqft (0.422 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $475,000 (2020) |
| Tax Bill | $3,079.00 (2025) |
Source: Hamilton County records · APN 150J E 018
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3103 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Jul 07, 2020 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FNDG |
| Aug 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOWER |
| Aug 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOWER |
| Jan 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PLATINUM FIN'L FUND |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 2020 · Amount on Record |
| Deed Sale | Jul 07, 2020 · Amount on Record |
| Prior Sale | Sep 27, 2016 · Amount on Record |
| Deed Doc Number | 2020070700234 |
| Deed Book / Page | 12064 / 239 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 30, 2026 |
| Property Address | 3103 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0000000010 |
| Book / Page | 14385 / 843 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202610 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 3103 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0000000010, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 14385/843 |
| Instrument | 202610 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.84% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 07, 2020 |
| Property Address | 3103 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0707000234 |
| Book / Page | 012064 / 000239 |
| Instrument Date | Jul 02, 2020 |
| Instrument | 200707000234 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2020 |
| Title Company | KELTY TITLE AND ESCROW SERVICES INC, REALTY TITLE & ESCROW SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,758.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3103 REFLECTION LN OOLTEWAH TN 373636979, OOLTEWAH, TN 37363-6979 |
| Document Number | 707000235 |
|---|---|
| Date | Jul 07, 2020 |
| Book Page | 012064/000242 |
| Instrument | 200707000235 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 06, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3103 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0906000015 |
| Instrument Date | Aug 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3103 REFLECTION LN OOLTEWAH TN 373636979, OOLTEWAH, TN 37363-6979 |
| Document Number | 0906000015 |
|---|---|
| Date | Sep 06, 2019 |
| Book Page | 011750/000773 |
| Instrument | 190906000015 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Sep 05, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3103 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0906000014 |
| Instrument Date | Aug 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3103 REFLECTION LN OOLTEWAH TN 373636979, OOLTEWAH, TN 37363-6979 |
| Document Number | 0906000014 |
|---|---|
| Date | Sep 06, 2019 |
| Book Page | 011750/000759 |
| Instrument | 190906000014 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 05, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3103 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0206000174 |
| Instrument Date | Jan 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2019 |
| Title Company | HATCHER TITLE AND ESCROW AGENCY, HATCHER TITLE & ESCROW AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3103 REFLECTION LN OOLTEWAH TN 373636979, OOLTEWAH, TN 37363-6979 |
| Document Number | 0206000174 |
|---|---|
| Date | Feb 06, 2019 |
| Book Page | 011560/000104 |
| Instrument | 190206000174 |
| Name | PLATINUM FIN'L FUND |
|---|---|
| Type | Funding / Finance Company |
| Address | CHATTANOOGA, TN 37421 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 05, 2034 |
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 | $3,079.00 (+2.98%) | $203,150 (+52%) | $812,600 (+52%) Land $80,000 Building $732,600 |
| 2024 | $2,990.00 (-0.3%) | $133,650 (-) | $534,600 (-) Land $55,000 Building $479,600 |
| 2023 | $2,999.00 | $133,650 | $534,600 Land $55,000 Building $479,600 |
Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 34% of the US · above 52% of Tennessee |
|---|---|
| Wildfire Likelihood | About 1 in 2,778 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 150J E 018 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 5,022 sqft Living Area |
| Stories | 2 Stories |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Wood Shingle Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 18,412 sqft (0.422 acres) |
| Depth X Width | 191 ft x 96.4 ft Depth x Width |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 0000154809 |
|---|---|
| Street Address | 3103 REFLECTION LN |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-6979 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 104 HIDDEN LAKES SUB PB79 PG165 OUT OF 150-165.01 FOR 2006 |
| Legal Subdivision | HIDDEN LAKES SUB |
| Legal Lot Number | 104 |
| Jurisdiction | HAMILTON TN |
| Minor Civil Division | 7 |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 11314 |
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