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3859 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3859 Inlet Loop, Chattanooga, TN 37416

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 2,487 sqft · built 2024
Lot Size0.184 acres (8,043 sqft)
Owner2 Individual Names on Record
Last Sale$469,800 (Jun 2024)
Tax Bill$1,960 (2025)
Deeds & MortgagesJun 2024 Sale & Mortgage
Dec 2023 Transfer
Flood ZoneZone X (minimal risk)
APN120K C 042

Property Details

APN / Parcel Number

Primary APN120K C 042
Alternative APN
  • 0000394271

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,487 sqft Building Perimeter

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area8,043 sqft (0.184 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0000394271
Street Address3859 INLET LOOP
CityCHATTANOOGA
StateTN
Zip37416-3090
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 108 WATERSTONE RIDGE PHASE IV PB 126 PG 192 OUT OF 120K A 016 FOR 2023
Legal SubdivisionWATERSTONE RIDGE PHASE IV
Legal Phase4
Legal Lot Number108
JurisdictionHAMILTON TN
Township / Civil Division9
Census Block Group3
Census Block3000
Census Tract11411

Owner

Source: Hamilton County records, as of January 2, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address3859 INLET LOOP, CHATTANOOGA, TN 37416-3090
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 3, 2024Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
MOVEMENT MORTGAGE
Dec 11, 2023Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 3, 2024 · Amount on Record
Deed SaleJun 3, 2024 · Amount on Record
Deed Document Number2024187
Deed Book / Page13609 / 258
Prior Transfer DateDec 7, 2023
Prior Transfer Doc0000000138
Record UpdatedSep 20, 2026

June 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionHAMILTON TN
Recording DateJun 3, 2024
Property Address3859 INLET LOOP, CHATTANOOGA, TN 37416-3090
Document Number0000000187
Book / Page13609 / 258
Map ReferenceMB 12483 PG 709
Instrument DateMay 31, 2024
Instrument2024060300187
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 25, 2025
Title CompanyTITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,738.26
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3859 INLET LOOP, CHATTANOOGA, TN 37416-3090

Mortgage

Document Number0000000188
DateJun 3, 2024
Instrument2024060300188
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2054

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateDec 11, 2023
Property Address3859 INLET LOOP, CHATTANOOGA, TN 37416-3090
Document Number0000000138
Book / Page13467 / 467
Map ReferenceMB 126 PG 192
Instrument DateDec 7, 2023
Instrument2023121100138
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3200 N HAWTHORNE ST, CHATTANOOGA, TN 37406-4019

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,960.00 (+61.85%)$129,375 (+138.92%)$517,500 (+138.92%) Land $50,000 Building $467,500
2024$1,211.00$54,150$216,600 Land $50,000 Building $166,600

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskModerate
above 50% of the US · above 67% of Tennessee
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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