5528 Mill Stone Dr, Ooltewah, TN 37363 Property Records

Hamilton County property record for 5528 Mill Stone Dr, Ooltewah, TN 37363

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,363 sqft · built 1988
Lot Size	0.939 acres (40,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Nov 2019)
Tax Bill	$2,592 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122M A 019`

Property Details

APN / Parcel Number

Primary APN	`122M A 019`
Alternative APN	`0000048239`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,363 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	40,909 sqft (0.939 acres)
Lot Dimensions	245 ft deep x 112 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000048239
Street Address	5528 MILL STONE DR
City	OOLTEWAH
State	TN
Zip	37363-6842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 72 MILL RUN PB 32 PG 116
Legal Subdivision	MILL RUN
Legal Lot Number	72
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	1
Census Block	1001
Census Tract	11447

Owner

Source: Hamilton County records, as of January 2, 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	5528 MILL STONE DR, OOLTEWAH, TN 37363-6842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TENNESSEE VALLEY FCU
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VLY FCU
Nov 21, 2019	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MTG
Aug 29, 2019	Warranty Deed, Construction Loan · Construction Mortgage LENDINGHOME FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2019 · Amount on Record
Deed Sale	Nov 21, 2019 · Amount on Record
Prior Sale	Aug 29, 2019 · Amount on Record
Deed Document Number	201997
Deed Book / Page	11826 / 724
Prior Transfer Date	Apr 2, 2003
Prior Transfer Doc	6660983
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	5528 MILL STONE DR, OOLTEWAH, TN 37363-6842
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000124
Date	Aug 1, 2023
Book Page	13360/940
Instrument	2023080100124

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2038

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	5528 MILL STONE DR, OOLTEWAH, TN 37363-6842
Document Number	0723000007
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5528 MILL STONE DR OOLTEWAH TN 373636842, OOLTEWAH, TN 37363-6842

Mortgage

Document Number	0723000007
Date	Jul 23, 2020
Book Page	012084/000641
Instrument	200723000007

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 22, 2035

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 21, 2019
Property Address	5528 MILL STONE DR, OOLTEWAH, TN 37363-6842
Document Number	1121000097
Book / Page	011826 / 000724
Instrument Date	Nov 12, 2019
Instrument	191121000097
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,202.50
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	5528 MILL STONE DR OOLTEWAH TN 373636842, OOLTEWAH, TN 37363-6842

Mortgage

Document Number	1121000098
Date	Nov 21, 2019
Book Page	011826/000726
Instrument	191121000098

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2049

August 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 29, 2019
Property Address	5528 MILL STONE DR, OOLTEWAH, TN 37363-6842
Document Number	0829000061
Book / Page	011743 / 000241
Instrument Date	Aug 22, 2019
Instrument	190829000061
Transaction Type	Construction Loan
Record Updated	Sep 13, 2019
Title Company	RELI TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4960 HIGHWAY 90 #135 PACE FL 325711413, 135, PACE, FL 32571-1413
Investor	Possibly a Property Investor

Mortgage

Document Number	829000062
Date	Aug 29, 2019
Book Page	011743/000243
Instrument	190829000062

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

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	$2,592.00 (+6.75%)	$171,050 (+57.58%)	$684,200 (+57.58%) Land $50,000 Building $634,200
2024	$2,428.00 (-0.37%)	$108,550 (-)	$434,200 (-) Land $60,000 Building $374,200
2023	$2,437.00	$108,550	$434,200 Land $60,000 Building $374,200

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 48% of the US · above 65% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, EPB, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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