3764 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3764 Inlet Loop, Chattanooga, TN 37416

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,516 sqft · built 2023
Lot Size	0.306 acres (13,337 sqft)
Owner	2 Individual Names on File
Last Sale	$469,500 (Jul 2026)
Tax Bill	$1,679 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120K C 054`

Property Details

APN / Parcel Number

Primary APN	`120K C 054`
Alternative APN	`0000394283`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,516 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,337 sqft (0.306 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000394283
Street Address	3764 INLET LOOP
City	CHATTANOOGA
State	TN
Zip	37416-3088
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 120 WATERSTONE RIDGE PHASE IV PB 126 PG 192 OUT OF 120K A 016 FOR 2023
Legal Subdivision	WATERSTONE RIDGE PHASE IV
Legal Phase	4
Legal Lot Number	120
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	3
Census Block	3000
Census Tract	11411

Owner

3764 Inlet Loop is owned and occupied by two individuals who bought it in July 2026.

Source: Hamilton County records, as of July 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3764 INLET LOOP, CHATTANOOGA, TN 37416-3088
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage BRIDGE CITY TITLE
Sep 18, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Sep 18, 2023 · Amount on File
Deed Document Number	20260707312
Deed Book / Page	14360 / 808
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 7, 2026
Property Address	3764 INLET LOOP, CHATTANOOGA, TN 37416-3088
Document Number	0000000312
Book / Page	14360 / 808
Instrument Date	Jun 29, 2026
Instrument	2026312
Transaction Type	Transfer
Record Updated	Jul 15, 2026
Title Company	BRIDGE CITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175,452.15
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3764 INLET LOOP, CHATTANOOGA, TN 37416-3088

Mortgage

Document Number	0000000313,
Date	Jul 7, 2026
Book Page	14360/812
Instrument	2026313

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 18, 2023
Property Address	3764 INLET LOOP, CHATTANOOGA, TN 37416-3088
Document Number	0000000128
Book / Page	13401 / 219
Map Reference	MB 126 PG 192
Instrument Date	Sep 15, 2023
Instrument	2023091800128
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,568.89
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3764 INLET LOOP, CHATTANOOGA, TN 37416-3088

Mortgage

Document Number	0000000129
Date	Sep 18, 2023
Instrument	2023091800129

Lender

Name	FIRST NATIONAL BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3764 Inlet Loop was $1,679, down 16.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,679.00 (-16.34%)	$110,825 (+23.52%)	$443,300 (+23.52%) Land $50,000 Building $393,300
2024	$2,007.00 (+619.35%)	$89,725 (+617.8%)	$358,900 (+617.8%) Land $50,000 Building $308,900
2023	$279.00	$12,500	$50,000 Land $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3764 Inlet Loop 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 3764 Inlet Loop 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	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	TENNESSEE AMERICAN WATER private · serves 207,046 people · EPA ID TN0000107
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 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	None 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 172 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: AT&T.

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