3951 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3951 Inlet Loop, Chattanooga, TN 37416 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,952 sqft · built 2023
Lot Size	0.182 acres (7,952 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,508 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120K C 031`

Property Details

APN / Parcel Number

Primary APN	`120K C 031`
Alternative APN	`0000393483`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,952 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	7,952 sqft (0.182 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000393483
Street Address	3951 INLET LOOP
City	CHATTANOOGA
State	TN
Zip	37416-3087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 97 WATERSTONE RIDGE PB 124 PG 159 OUT OF 120K A 016 FOR 2023
Legal Lot Number	97
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	3
Census Block	3000
Census Tract	11411

Owner

Source: Hamilton County records · APN 120K C 031

Assessment roll updated January 2, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3951 INLET LOOP, CHATTANOOGA, TN 37416-3087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 27, 2023
Deed Sale	Mar 27, 2023
Deed Document Number	2023134
Deed Book / Page	13246 / 784
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 27, 2023
Property Address	3951 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number	0000000134
Book / Page	13246 / 784
Map Reference	MB 124 PG 159
Instrument Date	Mar 24, 2023
Instrument	2023032700134
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 File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,557.62
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 INLET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number	0132460787
Date	Mar 27, 2023
Instrument	13246-0787

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Tax Assessment & Valuation

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,508.00 (-19.49%)	$99,525 (+18.87%)	$398,100 (+18.87%) Land $50,000 Building $348,100
2024	$1,873.00	$83,725	$334,900 Land $50,000 Building $284,900

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 68% of Tennessee
Wildfire Likelihood	About 1 in 917 per year
Exposure	Direct 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.