9520 Mountain Lake Dr, Ooltewah, TN 37363 Property Records

Hamilton County property record for 9520 Mountain Lake Dr, Ooltewah, TN 37363

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,699 sqft · built 2002
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Feb 2002)
Tax Bill	$2,664 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`114N A 039`

Property Details

APN / Parcel Number

Primary APN	`114N A 039`
Alternative APN	`0000135163`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,699 sqft Living Area

Exterior

Year Built	Built 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	265 ft deep x 160 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000135163
Street Address	9520 MOUNTAIN LAKE DR
City	OOLTEWAH
State	TN
Zip	37363-6209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 37 MOUNTAIN LAKE ESTATES PB52 PG128 REV PB58 PG180 OUT OF 123-91 FOR 1995
Legal Range	199
Legal Subdivision	MOUNTAIN LAKE ESTATE
Legal Lot Number	37
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	1
Census Block	1000
Census Tract	11206

Owner

9520 Mountain Lake Dr is owned and occupied by two individuals who bought it in February 2002.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	9520 MOUNTAIN LAKE DR, OOLTEWAH, TN 37363-6209
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
Nov 14, 2017	Deed of Trust, Mortgage · Line of Credit FIRST TENNESSEE BANK NA
Jan 7, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2002 · Amount on File
Deed Sale	Feb 6, 2002 · Amount on File
Prior Sale	Oct 9, 2001 · Amount on File
Deed Document Number	2002020600012
Deed Book / Page	6139 / 591
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	9520 MOUNTAIN LAKE DR, OOLTEWAH, TN 37363-6209
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000168
Date	Nov 14, 2017
Book Page	11203/826
Instrument	2017111400168

Lender

Name	FIRST TENNESSEE BANK NA
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	9520 MOUNTAIN LAKE DR, OOLTEWAH, TN 37363-6209
Document Number	0128000025
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9520 MOUNTAIN LAKE DR OOLTEWAH TN 373636209, OOLTEWAH, TN 37363-6209

Mortgage

Document Number	0128000025
Date	Jan 28, 2020
Book Page	011890/000848
Instrument	200128000025

Lender

Name	TRUIST BK
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9520 Mountain Lake Dr was $2,664, down 11.8% from the year before.

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	$2,664.00 (-11.85%)	$175,800 (+30.15%)	$703,200 (+30.15%) Land $100,000 Building $603,200
2024	$3,022.00 (-0.3%)	$135,075 (-)	$540,300 (-) Land $90,000 Building $450,300
2023	$3,031.00	$135,075	$540,300 Land $90,000 Building $450,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9520 Mountain Lake Dr in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 9520 Mountain Lake Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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	SAVANNAH VALLEY U.D. serves 30,571 people · EPA ID TN0000613
Water Source	Groundwater influenced by surface water
Last State Inspection	Apr 2025
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	1 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 28 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

May also be available: Brightspeed.

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