3851 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3851 Inlet Loop, Chattanooga, TN 37416

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,297 sqft · built 2024
Lot Size	0.219 acres (9,576 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Mar 2026)
Tax Bill	$2,113 (2025)
Deeds & Mortgages	Mar 2026 Sale Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120K C 043`

Property Details

APN / Parcel Number

Primary APN	`120K C 043`
Alternative APN	`0000394272`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,297 sqft Building Perimeter

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,576 sqft (0.219 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000394272
Street Address	3851 INLET LOOP
City	CHATTANOOGA
State	TN
Zip	37416-3090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 109 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	109
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	3
Census Block	3000
Census Tract	11411

Owner

Source: Hamilton County records, as of April 3, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3851 INLET LOOP, CHATTANOOGA, TN 37416-3090
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Warranty Deed, Transfer LEHMAN TITLE AND ESCROW LLC, LEHMAN TITLE & ESCROW LLC
Apr 8, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Aug 3, 2023	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	Apr 8, 2024 · Amount on Record
Deed Document Number	20260320106
Deed Book / Page	14234 / 91
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 20, 2026
Property Address	3851 INLET LOOP, CHATTANOOGA, TN 37416-3090
Document Number	0000000106
Book / Page	14234 / 91
Map Reference	MB 126 PG 192
Instrument Date	Mar 20, 2026
Instrument	2026032000106
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LEHMAN TITLE AND ESCROW LLC, LEHMAN TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 INLET LOOP, CHATTANOOGA, TN 37416-3090

April 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Apr 8, 2024
Property Address	3851 INLET LOOP, CHATTANOOGA, TN 37416-3090
Document Number	0000000194
Book / Page	13558 / 977
Map Reference	MB 126 PG 192
Instrument Date	Apr 5, 2024
Instrument	2024040800194
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,085.58
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 INLET LOOP, CHATTANOOGA, TN 37416-3090

Mortgage

Document Number	0000000195
Date	Apr 8, 2024
Instrument	2024040800195

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 3, 2023
Property Address	3851 INLET LOOP, CHATTANOOGA, TN 37416-3090
Document Number	0000000075
Book / Page	13363 / 403
Map Reference	MB 126 PG 192
Instrument Date	Jul 31, 2023
Instrument	2023080300075
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3200 N HAWTHORNE ST, CHATTANOOGA, TN 37406-4019

Tax Assessment & Valuation

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	$2,113.00 (+23.93%)	$139,450 (+82.89%)	$557,800 (+82.89%) Land $50,000 Building $507,800
2024	$1,705.00	$76,250	$305,000 Land $50,000 Building $255,000

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

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

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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