3964 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3964 Inlet Loop, Chattanooga, TN 37416

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,780 sqft · built 2022
Lot Size	0.135 acres (5,916 sqft)
Owner	Individual Name on Record
Last Sale	$392,590 (Dec 2022)
Tax Bill	$1,485 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120K E 008`

Property Details

APN / Parcel Number

Primary APN	`120K E 008`
Alternative APN	`0000393468`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,780 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,916 sqft (0.135 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000393468
Street Address	3964 INLET LOOP
City	CHATTANOOGA
State	TN
Zip	37416-3087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 136 WATERSTONE RIDGE PB 124 PG 159 OUT OF 120K A 016 FOR 2023
Legal Subdivision	WATERSTONE RIDGE PHASE III
Legal Lot Number	136
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	3
Census Block	3000
Census Tract	11411

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 Record	Individual Name on Record
Mailing Address	3964 INLET LOOP, CHATTANOOGA, TN 37416-3087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Deed Document Number	202290
Deed Book / Page	13172 / 53
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 21, 2022
Property Address	3964 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number	0000000090
Book / Page	13172 / 53
Map Reference	MB 124 PG 159
Instrument Date	Dec 20, 2022
Instrument	2022122100090
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	$1,452.58
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3964 INLET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number	0131720056
Date	Dec 21, 2022
Instrument	13172-0056

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2047

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	$1,485.00 (-13.16%)	$98,000 (+28.15%)	$392,000 (+28.15%) Land $50,000 Building $342,000
2024	$1,710.00	$76,475	$305,900 Land $50,000 Building $255,900

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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