Hamilton County property record for 3117 Reflection Ln, Ooltewah, TN 37363 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,367 sqft · built 2006 |
| Lot Size | 0.466 acres (20,330 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $671,500 (Nov 2023) |
| Tax Bill | $2,911 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Dec 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150J E 017 |
| Primary APN | 150J E 017 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,367 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 20,330 sqft (0.466 acres) |
| Lot Dimensions | 214 ft deep x 95 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000154808 |
|---|---|
| Street Address | 3117 REFLECTION LN |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-6979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 105 HIDDEN LAKES SUB PB79 PG165 OUT OF 150-183 FOR 2006 |
| Legal Subdivision | HIDDEN LAKES SUB |
| Legal Lot Number | 105 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11314 |
Source: Hamilton County records · APN 150J E 017
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 Company Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3117 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Dec 10, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Nov 29, 2023 | Warranty Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Nov 29, 2023 · Amount on Record |
| Deed Sale | Nov 29, 2023 · Amount on Record |
| Prior Sale | Dec 31, 2007 · Amount on Record |
| Deed Document Number | 0013457780 |
| Deed Book / Page | 13457 / 780 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3117 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000064 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 12482/1 |
| Instrument | 2021051200064 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3117 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3117 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0000000255 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 12767/951 |
| Instrument | 2021121000255 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37219 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 29, 2023 |
| Property Address | 3117 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0000000129 |
| Book / Page | 13457 / 780 |
| Map Reference | MB 79 PG 165 |
| Instrument Date | Nov 29, 2023 |
| Instrument | 2023112900129 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,484.55 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 626 JARDLN WAY, CHICO, CA 95926-2981 |
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 | $2,911.00 (+9.89%) | $192,100 (+62.21%) | $768,400 (+62.21%) Land $80,000 Building $688,400 |
| 2024 | $2,649.00 (-0.34%) | $118,425 (-) | $473,700 (-) Land $55,000 Building $418,700 |
| 2023 | $2,658.00 | $118,425 (-) | $473,700 (-) Land $55,000 Building $418,700 |
| 2022 | $2,658.00 | $118,425 | $473,700 Land $55,000 Building $418,700 |
Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470650113142, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 4 individual NFIP policies nearby |
| Nearby Flood Policies | 4 in force 4 of 4 on primary residences |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2013, river or lake flooding |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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