5421 Lodestone Dr, Ooltewah, TN 37363 Property Records

Hamilton County property record for 5421 Lodestone Dr, Ooltewah, TN 37363

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,502 sqft · built 1992
Lot Size	0.394 acres (17,168 sqft)
Owner	Individual Name on Record
Last Sale	$449,900 (May 2025)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122J A 012`

Property Details

APN / Parcel Number

Primary APN	`122J A 012`
Alternative APN	`0000128307`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,502 sqft Living Area

Exterior

Year Built	Built 1992
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,168 sqft (0.394 acres)
Lot Dimensions	232 ft deep x 74 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000128307
Street Address	5421 LODESTONE DR
City	OOLTEWAH
State	TN
Zip	37363-6802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 107 FLAGSTONE SUB UNIT 3 PB 43 PG 159 OUT OF 131-44.1 FOR 1990
Legal Subdivision	FLAGSTONE SUB
Legal Lot Number	107
Legal Unit	3
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	2
Census Block	2003
Census Tract	11447

Owner

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	5421 LODESTONE DR, OOLTEWAH, TN 37363-6802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2025	Warranty Deed, Transfer · Conventional Mortgage PINNACLE BANK
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2025 · Amount on Record
Deed Sale	May 13, 2025 · Amount on Record
Prior Sale	Jun 30, 2000 · Amount on Record
Deed Document Number	2025051300175
Deed Book / Page	13920 / 860
Record Updated	Jun 8, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 13, 2025
Property Address	5421 LODESTONE DR, OOLTEWAH, TN 37363-6802
Document Number	0000000175
Book / Page	13920 / 860
Map Reference	MB 43 PG 159
Instrument Date	May 8, 2025
Instrument	2025051300175
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, ALLIANCE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,664.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5421 LODESTONE DR, OOLTEWAH, TN 37363-6802

Mortgage

Document Number	0013920864
Date	May 13, 2025
Instrument	13920/864

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.2%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	5421 LODESTONE DR, OOLTEWAH, TN 37363-6802
Document Number	1116000097
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5421 LODESTONE DR OOLTEWAH TN 373636802, OOLTEWAH, TN 37363-6802

Mortgage

Document Number	1116000097
Date	Nov 16, 2020
Book Page	012232/000761
Instrument	201116000097

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,418.00 (-2.74%)	$93,575 (+43.52%)	$374,300 (+43.52%) Land $40,000 Building $334,300
2024	$1,458.00 (-0.61%)	$65,200 (-)	$260,800 (-) Land $40,000 Building $220,800
2023	$1,467.00	$65,200	$260,800 Land $40,000 Building $220,800

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

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	2 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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