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3931 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3931 Inlet Loop, Chattanooga, TN 37416 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,650 sqft · built 2023
Lot Size0.199 acres (8,699 sqft)
Owner2 Individual Names on File
Last Sale$548,000 (Jun 2024)
Tax Bill$2,067 (2025)
Deeds & MortgagesJun 2024 Sale & Mortgage
Feb 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN120K C 034

Property Details

APN / Parcel Number

Primary APN120K C 034
Alternative APN
  • 0000393486

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,650 sqft Living Area

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area8,699 sqft (0.199 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0000393486
Street Address3931 INLET LOOP
CityCHATTANOOGA
StateTN
Zip37416-3087
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 100 WATERSTONE RIDGE PB 124 PG 159 OUT OF 120K A 016 FOR 2023
Legal SubdivisionWATERSTONE RIDGE PHASE III
Legal Lot Number100
JurisdictionHAMILTON TN
Township / Civil Division9
Census Block Group3
Census Block3000
Census Tract11411

Owner

Source: Hamilton County records · APN 120K C 034

Assessment roll updated January 2, 2026 · Last verified July 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 File
Mailing Address3931 INLET LOOP, CHATTANOOGA, TN 37416-3087
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 12, 2024Warranty Deed, Transfer · Conventional Mortgage
SUMMIT FUNDING INC
Feb 24, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 12, 2024 · Amount on Record
Deed SaleJun 12, 2024 · Amount on Record
Prior SaleFeb 24, 2023 · Amount on Record
Deed Document Number2024154
Deed Book / Page13619 / 681
Record UpdatedSep 20, 2026

June 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJun 12, 2024
Property Address3931 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number0000000154
Book / Page13619 / 681
Map ReferenceMB 124 PG 159
Instrument DateJun 11, 2024
Instrument2024061200154
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyNORTH AMERICAN TITLE COMPANY, NORTH & MAIN TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,027.60
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3931 INLET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number0000000155
DateJun 12, 2024
Instrument2024061200155
Lender
NameSUMMIT FUNDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2054

February 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateFeb 24, 2023
Property Address3931 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number0000000095
Book / Page13220 / 163
Map ReferenceMB 124 PG 159
Instrument DateFeb 23, 2023
Instrument2023022400095
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$1,885.49
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3831 INLET LOOP, CHATTANOOGA, TN 37416-3090

Mortgage

Document Number0132200166
DateFeb 24, 2023
Instrument13220-0166
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2053
Interest
Rate TypeAdjustable Rate
Rate5.4%
AdjustableAdjustable Rate Rider
Type Change DateMar 01, 2033
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change10.4%
IndexOther
Margin3
Max Rate10.4%

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated January 2, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,067.00 (-16.52%)$136,400 (+23.24%)$545,600 (+23.24%) Land $50,000 Building $495,600
2024$2,476.00$110,675$442,700 Land $50,000 Building $392,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

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; lenders make the official flood determination.

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