3946 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3946 Inlet Loop, Chattanooga, TN 37416

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,452 sqft · built 2023
Lot Size	0.135 acres (5,909 sqft)
Owner	2 Company Names on Record
Last Sale	$453,000 (May 2023)
Tax Bill	$1,776 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`120K E 010`

Property Details

APN / Parcel Number

Primary APN	`120K E 010`
Alternative APN	`0000393470`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,452 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,909 sqft (0.135 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000393470
Street Address	3946 INLET LOOP
City	CHATTANOOGA
State	TN
Zip	37416-3087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 134 WATERSTONE RIDGE PB 124 PG 159 OUT OF 120K A 016 FOR 2023
Legal Subdivision	WATERSTONE RIDGE PHASE ILL
Legal Lot Number	134
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	3
Census Block	3000
Census Tract	11411

Owner

Source: Hamilton County records, as of May 1, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	3946 INLET LOOP, CHATTANOOGA, TN 37416-3087
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · VA Mortgage SMARTBANK
Feb 23, 2026	Intrafamily Transfer, Transfer
May 22, 2023	Warranty Deed, Subdivision Related Transfer · VA Mortgage MOVEMENT MORTGAGE
Dec 1, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Deed Document Number	2023103
Deed Book / Page	13295 / 598
Last Transfer Date	Feb 18, 2026
Transfer Doc	0000000186
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Recording Date	Apr 13, 2026
Property Address	3946 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number	0000000172
Book / Page	14260 / 782
Instrument Date	Mar 31, 2026
Instrument	2026172
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust, 220
Address	3946 INLET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number	0000000172,
Date	Apr 13, 2026
Book Page	14260/782
Instrument	2026172

Lender

Name	SMARTBANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON TN
Recording Date	Feb 23, 2026
Property Address	3946 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number	0000000186
Book / Page	14204 / 116
Map Reference	MB 124 PG 159
Instrument Date	Feb 18, 2026
Instrument	2026022300186
Transaction Type	Transfer
Record Updated	Mar 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	3946 INLET LOOP, CHATTANOOGA, TN 37416-3087

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 22, 2023
Property Address	3946 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number	0000000103
Book / Page	13295 / 598
Map Reference	MB 124 PG 159
Instrument Date	May 19, 2023
Instrument	2023052200103
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTEE & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3946 INTET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number	0000000104
Date	May 22, 2023
Instrument	2023052200104

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 1, 2022
Property Address	3946 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number	0000000118
Book / Page	13155 / 311
Map Reference	MB 124 PG 159
Instrument Date	Nov 21, 2022
Instrument	2022120100118
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
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	$1,776.00 (-16.54%)	$117,225 (+23.23%)	$468,900 (+23.23%) Land $50,000 Building $418,900
2024	$2,128.00	$95,125	$380,500 Land $50,000 Building $330,500

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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