4151 Downing Ln, Ooltewah, TN 37363 Property Records

Hamilton County property record for 4151 Downing Ln, Ooltewah, TN 37363

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,258 sqft · built 2009
Lot Size	0.14 acres (6,120 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Nov 2022)
Tax Bill	$1,645 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`140N J 008`

Property Details

APN / Parcel Number

Primary APN	`140N J 008`
Alternative APN	`0000160745`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,258 sqft Living Area

Exterior

Year Built	Built 2009
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,120 sqft (0.14 acres)
Lot Dimensions	136 ft deep x 45 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000160745
Street Address	4151 DOWNING LN
City	OOLTEWAH
State	TN
Zip	37363-1023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 65 DOWNING GREEN SUB PB85 PG132 OUT OF 150-244.01 FOR 2007
Legal Subdivision	DOWNING GREEN SUB
Legal Lot Number	65
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	3
Census Block	3004
Census Tract	11314

Owner

4151 Downing Ln is owned and occupied by an individual who bought it in November 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	4151 DOWNING LN, OOLTEWAH, TN 37363-1023
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FCU
Nov 1, 2022	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Oct 1, 2018	Warranty Deed, Transfer · Conventional with PMI TENNESSEE VLY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2022 · Amount on File
Deed Sale	Nov 1, 2022 · Amount on File
Prior Sale	Oct 1, 2018 · Amount on File
Deed Document Number	2022110100200
Deed Book / Page	13131 / 581
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4151 DOWNING LN, OOLTEWAH, TN 37363-1023
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000303
Date	Oct 8, 2021
Book Page	12685/612
Instrument	2021100800303

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 1, 2022
Property Address	4151 DOWNING LN, OOLTEWAH, TN 37363-1023
Document Number	0000000200
Book / Page	13131 / 581
Map Reference	MB 85 PG 131&132
Instrument Date	Oct 26, 2022
Instrument	2022110100200
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE INSURANCE COMPANY, TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4151 DOWNING LANE, CHATTANOOGA, TN 37421

Mortgage

Document Number	0131310585
Date	Nov 1, 2022
Instrument	13131-0585

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 1, 2018
Property Address	4151 DOWNING LN, OOLTEWAH, TN 37363-1023
Document Number	1001000241
Book / Page	011466 / 000584
Instrument Date	Sep 28, 2018
Instrument	181001000241
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4151 DOWNING LN OOLTEWAH TN 373631023, OOLTEWAH, TN 37363-1023

Mortgage

Document Number	1001000242
Date	Oct 1, 2018
Book Page	011466/000587
Instrument	181001000242

Lender

Name	TENNESSEE VLY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	300 Months
Due	Sep 30, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 4151 Downing Ln was $1,645, down 5.4% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Collegedale City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,645.00 (-5.41%)	$108,550 (+39.61%)	$434,200 (+39.61%) Land $75,000 Building $359,200
2024	$1,739.00 (-41.11%)	$77,750 (-)	$311,000 (-) Land $60,000 Building $251,000
2023	$2,953.00	$77,750	$311,000 Land $60,000 Building $251,000

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.

Flood

FEMA maps place 4151 Downing Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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	6 in force
Nearby Flood Claims	2 (2010–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2017 · 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

Wildfire risk around 4151 Downing Ln is low, with a 0.02% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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