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3814 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3814 Inlet Loop, Chattanooga, TN 37416 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,832 sqft · built 2023
OwnerIndividual Name on File
Last Sale$435,000 (Sep 2025)
Tax Bill$1,592 (2025)
Deeds & MortgagesSep 2025 Sale & Mortgage
Jul 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN120K C 059

Property Details

APN / Parcel Number

Primary APN120K C 059
Alternative APN
  • 0000394288

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,832 sqft Living Area

Exterior

Year BuiltBuilt 2023
Exterior MaterialWood Shingle
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0000394288
Street Address3814 INLET LOOP
CityCHATTANOOGA
StateTN
Zip37416-3090
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 125 WATERSTONE RIDGE PHASE IV PB 126 PG 192 OUT OF 120K A 016 FOR 2023
Legal Phase4
Legal Lot Number125
JurisdictionHAMILTON TN
Township / Civil Division9
Census Block Group3
Census Block3000
Census Tract11411

Owner

Source: Hamilton County records · APN 120K C 059

Assessment roll updated May 20, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3814 INLET LOOP, CHATTANOOGA, TN 37416-3090
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 09, 2025Warranty Deed, Transfer · Non-Conforming Investor Loan
FIRST CITIZENS NATIONAL BANK
Jul 31, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
BANK OF CLEVELAND

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 09, 2025 · Amount on Record
Deed SaleSep 09, 2025 · Amount on Record
Prior SaleJul 31, 2023 · Amount on Record
Deed Document Number2025090900120
Deed Book / Page14038 / 714
Record UpdatedJun 08, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateSep 09, 2025
Property Address3814 INLET LOOP, CHATTANOOGA, TN 37416-3090
Document Number0000000120
Book / Page14038 / 714
Map ReferenceMB 126 PG 192
Instrument DateSep 05, 2025
Instrument2025090900120
Transaction TypeTransfer
Record UpdatedSep 25, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,609.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3814 INLET LOOP, CHATTANOOGA, TN 37416-3090

Mortgage

Document Number0014038717
DateSep 09, 2025
Instrument14038/717
Lender
NameFIRST CITIZENS NATIONAL BANK
TypeBank
Agreement
TypeNon-Conforming Investor Loan
AmountAmount Recorded
Term12 Months
DueSep 05, 2026

July 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJul 31, 2023
Property Address3814 INLET LOOP, CHATTANOOGA, TN 37416-3090
Document Number0000000177
Book / Page13359 / 108
Map ReferenceMB 126 PG 192
Instrument DateJul 28, 2023
Instrument2023073100177
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 25, 2025
Title CompanyTITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,529.52
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3814 INLET LOOP, CLEVELAND, TN 37311

Mortgage

Document Number0000000178
DateJul 31, 2023
Instrument2023073100178
Lender
NameBANK OF CLEVELAND
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2053

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,592.00 (-10.76%)$105,075 (+31.71%)$420,300 (+31.71%) Land $50,000 Building $370,300
2024$1,784.00 (+160.06%)$79,775 (+160.07%)$319,100 (+160.07%) Land $50,000 Building $269,100
2023$686.00$30,675$122,700 Land $50,000 Building $72,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470650114113, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Nearby Flood Policies1 in force
1 of 1 on primary residences

Wildfire

Wildfire RiskModerate
above 50% of the US · above 68% of Tennessee
Wildfire LikelihoodAbout 1 in 917 per year
ExposureDirect
burnable vegetation at the parcel

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.

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