Hamilton County property record for 3118 Reflection Ln, Ooltewah, TN 37363
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,438 sqft · built 2005 |
| Lot Size | 0.328 acres (14,321 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $449,145 (Apr 2006) |
| Tax Bill | $2,977 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150J E 060 |
| Primary APN | 150J E 060 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,438 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 14,321 sqft (0.328 acres) |
| Lot Dimensions | 197 ft deep x 93.7 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000154851 |
|---|---|
| Street Address | 3118 REFLECTION LN |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-6978 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 62 HIDDEN LAKES SUB PB79 PG165 OUT OF 150-183 FOR 2006 |
| Legal Subdivision | HIDDEN LAKES SUB |
| Legal Lot Number | 62 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 11314 |
Source: Hamilton County records, as of October 19, 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 Record |
|---|---|
| Mailing Address | 3118 REFLECTION LN, OOLTEWAH, TN 37363-6978 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SEBONIC FIN'L |
| Jan 11, 2019 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2006 · Amount on Record |
| Deed Sale | Apr 19, 2006 · Amount on Record |
| Prior Sale | Jul 29, 2005 · Amount on Record |
| Deed Document Number | 2006240 |
| Deed Book / Page | 7910 / 885 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 8, 2026 |
| Property Address | 3118 REFLECTION LN, OOLTEWAH, TN 37363-6978 |
| Document Number | 0000000376 |
| Book / Page | 14464 / 376 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 14464376 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 171 |
| Address | 3118 REFLECTION LN, OOLTEWAH, TN 37363-6978 |
| Document Number | 0000000376, |
|---|---|
| Date | Oct 8, 2026 |
| Book Page | 14464/376 |
| Instrument | 14464376 |
| Name | SPRING EQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3118 REFLECTION LN, OOLTEWAH, TN 37363-6978 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000212 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 12500/792 |
| Instrument | 2021052600212 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3118 REFLECTION LN, OOLTEWAH, TN 37363-6978 |
| Document Number | 0730000050 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 3118 REFLECTION LN OOLTEWAH TN 373636978, OOLTEWAH, TN 37363-6978 |
| Document Number | 0730000050 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 012093/000766 |
| Instrument | 200730000050 |
| Name | SEBONIC FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3118 REFLECTION LN, OOLTEWAH, TN 37363-6978 |
| Document Number | 0201000066 |
| Instrument Date | Jan 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3118 REFLECTION LN #LU OOLTEWAH TN 373636978, LU, OOLTEWAH, TN 37363-6978 |
| Document Number | 0201000066 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 011556/000395 |
| Instrument | 190201000066 |
| Name | THIRD FED'L S&L |
|---|---|
| Type | Federal Savings Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County assessment roll, as of January 2, 2026
| 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 | $2,977.00 (-4.31%) | $196,450 (+41.25%) | $785,800 (+41.25%) Land $80,000 Building $705,800 |
| 2024 | $3,111.00 (-0.29%) | $139,075 (-) | $556,300 (-) Land $55,000 Building $501,300 |
| 2023 | $3,120.00 | $139,075 | $556,300 Land $55,000 Building $501,300 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 72% 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 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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