9534 Mountain Lake Dr, Ooltewah, TN 37363 Property Records

Hamilton County property record for 9534 Mountain Lake Dr, Ooltewah, TN 37363

Property Summary

Property Type	Single Family Home
Details	4 ba · 5,408 sqft · built 2001
Lot Size	1.51 acres (65,776 sqft)
Owner	Owner Name on File
Last Sale	$415,000 (Nov 2001)
Tax Bill	$4,051 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114N A 036`

Property Details

APN / Parcel Number

Primary APN	`114N A 036`
Alternative APN	`0000135160`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	5,408 sqft Living Area

Exterior

Year Built	Built 2001
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	65,776 sqft (1.51 acres)
Lot Dimensions	297 ft deep x 240 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000135160
Street Address	9534 MOUNTAIN LAKE DR
City	OOLTEWAH
State	TN
Zip	37363-6209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 34 MOUNTAIN LAKE ESTATES PB52 PG128 REV PB58 PG180
Legal Subdivision	MOUNTAIN LAKE ESTATE
Legal Lot Number	34
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	1
Census Block	1000
Census Tract	11206

Owner

The current owner of 9534 Mountain Lake Dr acquired it in August 2014.

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

Owner of Record	Owner Name on File
Mailing Address	9534 MOUNTAIN LAKE DR, OOLTEWAH, TN 37363-6209
Occupancy	Owner Occupied

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 18, 2025	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2001 · Amount on File
Deed Sale	Nov 20, 2001 · Amount on File
Prior Sale	Apr 10, 2007
Deed Document Number	6061581
Deed Book / Page	6061 / 581
Last Transfer Date	Aug 28, 2014
Transfer Doc	0000000023
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	9534 MOUNTAIN LAKE DR, OOLTEWAH, TN 37363-6209
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9534 MOUNTAIN LAKE DR, OOLTEWAH, TN 37363-6209

Mortgage

Document Number	0000000170
Date	Nov 18, 2025
Book Page	14110/882
Instrument	2025111800170

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	9534 MOUNTAIN LAKE DR, OOLTEWAH, TN 37363-6209
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000114
Date	Sep 10, 2021
Book Page	12645/863
Instrument	2021091000114

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 9534 Mountain Lake Dr was $4,051, up 15% 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	$4,051.00 (+14.99%)	$267,300 (+69.71%)	$1,069,200 (+69.71%) Land $100,000 Building $969,200
2024	$3,523.00 (-0.25%)	$157,500 (-)	$630,000 (-) Land $90,000 Building $540,000
2023	$3,532.00	$157,500	$630,000 Land $90,000 Building $540,000

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 9534 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 9534 Mountain Lake Dr is moderate, ranking above 50% 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 50% of the US · above 67% of Tennessee
Wildfire Likelihood	0.1% 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	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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