Hamilton County property record for 5409 Mill Stone Dr, Ooltewah, TN 37363
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 4,167 sqft · built 1996 |
| Lot Size | 0.719 acres (31,350 sqft) |
| Owner | Individual Name on File |
| Last Sale | $464,000 (Jan 2017) |
| Tax Bill | $2,689 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 122M C 011 |
| Primary APN | 122M C 011 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,167 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 31,350 sqft (0.719 acres) |
| Lot Dimensions | 165 ft deep x 190 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000048355 |
|---|---|
| Street Address | 5409 MILL STONE DR |
| City | OOLTEWAH |
| State | TN |
| Zip | 37363-8704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 109 MILL RUN 32-116 |
| Legal Subdivision | MILL RUN |
| Legal Lot Number | 109 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11447 |
5409 Mill Stone Dr is owned and occupied by an individual who bought it in January 2017.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5409 MILL STONE DR, OOLTEWAH, TN 37363-8704 |
| 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.
| Date | Document |
|---|---|
| Nov 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOVEREIGN LNDG |
| Jan 23, 2017 | Warranty Deed, Transfer · Commercial Mortgage FIRST VOLUNTEER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2017 · Amount on File |
| Deed Sale | Jan 23, 2017 · Amount on File |
| Prior Sale | Feb 10, 2016 · Amount on File |
| Deed Document Number | 2017012300244 |
| Deed Book / Page | 10959 / 279 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 5409 MILL STONE DR, OOLTEWAH, TN 37363-8704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000102 |
|---|---|
| Date | Nov 7, 2017 |
| Book Page | 11197/941 |
| Instrument | 2017110700102 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 5409 MILL STONE DR, OOLTEWAH, TN 37363-8704 |
| Document Number | 0729000188 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5409 MILL STONE DR COLLEGE DALE TN 373638704, COLLEGE DALE, TN 37363-8704 |
| Document Number | 0729000188 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 012093/000056 |
| Instrument | 200729000188 |
| Name | SOVEREIGN LNDG |
|---|---|
| Address | COSTA MESA, CA 92626 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 23, 2017 |
| Property Address | 5409 MILL STONE DR, OOLTEWAH, TN 37363-8704 |
| Document Number | 0000000244 |
| Book / Page | 10959 / 279 |
| Map Reference | MB32 PG116-1-4 |
| Instrument Date | Jan 20, 2017 |
| Instrument | 2017012300244 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | FIRST CHOICE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,716.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 5409 MILL STONE DR, OOLTEWAH, TN 37363-8704 |
| Document Number | 0000000246 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 2017012300246 |
| Name | FIRST VOLUNTEER BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 20, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Number | 0000000245 |
|---|---|
| Date | Jan 23, 2017 |
| Book Page | 10959/282 |
| Instrument | 2017012300245 |
| Name | FIRST VOLUNTEER BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
The 2025 property tax bill for 5409 Mill Stone Dr was $2,689, down 4.8% from the year before.
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 | $2,689.00 (-4.85%) | $177,425 (+40.45%) | $709,700 (+40.45%) Land $50,000 Building $659,700 |
| 2024 | $2,826.00 (-0.32%) | $126,325 (-) | $505,300 (-) Land $50,000 Building $455,300 |
| 2023 | $2,835.00 | $126,325 | $505,300 Land $50,000 Building $455,300 |
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.
FEMA maps place 5409 Mill Stone Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5409 Mill Stone Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 60% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.07% 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.
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 81 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures