Hamilton County property record for 3145 Reflection Ln, Ooltewah, TN 37363
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 4,554 sqft · built 2007 |
| Lot Size | 0.647 acres (28,215 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $775,000 (Dec 2021) |
| Tax Bill | $3,187 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Feb 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150J E 014 |
| Primary APN | 150J E 014 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,554 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 28,215 sqft (0.647 acres) |
| Lot Dimensions | 297 ft deep x 95 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000154805 |
|---|---|
| Street Address | 3145 REFLECTION LN |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-6979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 108 HIDDEN LAKES SUB PB79 PG165 OUT OF 150-183 FOR 2006 |
| Legal Subdivision | HIDDEN LAKES SUB |
| Legal Lot Number | 108 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11314 |
Source: Hamilton County records, as of December 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3145 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Feb 4, 2022 | Intrafamily Transfer, Transfer |
| Dec 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2021 · Amount on Record |
| Deed Sale | Dec 30, 2021 · Amount on Record |
| Prior Sale | Dec 30, 2021 · Amount on Record |
| Deed Document Number | 0000000123 |
| Deed Book / Page | 12791 / 982 |
| Last Transfer Date | Feb 4, 2022 |
| Transfer Doc | 0000000244 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3145 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000000125 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 12455/902 |
| Instrument | 2021042200125 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 4, 2022 |
| Property Address | 3145 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0000000244 |
| Book / Page | 12835 / 404 |
| Map Reference | MB 79 PG 155 |
| Instrument Date | Feb 4, 2022 |
| Instrument | 2022020400244 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3145 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 30, 2021 |
| Property Address | 3145 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0000000123 |
| Book / Page | 12791 / 982 |
| Map Reference | MB 79 PG 165 |
| Instrument Date | Nov 26, 2021 |
| Instrument | 2021123000123 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,867.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3145 REFLECTION LN, OOLTEWAH, TN 37363-6979 |
| Document Number | 0000127921 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 12792/1 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
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 | $3,187.00 (-3.63%) | $210,275 (+42.25%) | $841,100 (+42.25%) Land $80,000 Building $761,100 |
| 2024 | $3,307.00 (-0.27%) | $147,825 (-) | $591,300 (-) Land $55,000 Building $536,300 |
| 2023 | $3,316.00 | $147,825 | $591,300 Land $55,000 Building $536,300 |
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 63% of the US · above 53% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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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