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3976 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3976 Inlet Loop, Chattanooga, TN 37416 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,568 sqft · built 2023
OwnerIndividual Name on File
Last Sale$371,275 (May 2023)
Tax Bill$1,387 (2025)
Deeds & MortgagesDec 2025 Mortgage
May 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN120K E 007

Property Details

APN / Parcel Number

Primary APN120K E 007
Alternative APN
  • 0000393467

Interior

Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,568 sqft Living Area

Exterior

Year BuiltBuilt 2023
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0000393467
Street Address3976 INLET LOOP
CityCHATTANOOGA
StateTN
Zip37416-3087
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 137 WATERSTONE RIDGE PB 124 PG 159 OUT OF 120K A 016 FOR 2023
Legal Lot Number137
JurisdictionHAMILTON TN
Township / Civil Division9
Census Block Group3
Census Block3000
Census Tract11411

Owner

Source: Hamilton County records · APN 120K E 007

Assessment roll updated May 20, 2025 · Last verified January 2026

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

Owner of RecordIndividual Name on File
Mailing Address3976 INLET LOOP, CHATTANOOGA, TN 37416-3087
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 29, 2025Deed of Trust, Mortgage · FHA Mortgage
CADENCE BANK NA
May 01, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
LAND-HOME FINANCIAL SERVICES
Dec 01, 2022Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 01, 2023 · Amount on Record
Deed SaleMay 01, 2023 · Amount on Record
Prior SaleDec 01, 2022
Deed Document Number2023050100112
Deed Book / Page13276 / 933
Record UpdatedJun 08, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address3976 INLET LOOP, CHATTANOOGA, TN 37416-3087
Transaction TypeMortgage
Record UpdatedJan 08, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3976 INLET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number0000000284
DateDec 29, 2025
Book Page14151/184
Instrument2025122900284
Lender
NameCADENCE BANK NA
TypeBank
AddressTUPELO, MS 38803
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2056

May 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateMay 01, 2023
Property Address3976 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number0000000112
Book / Page13276 / 933
Map ReferenceMB 124 PG 159
Instrument DateApr 28, 2023
Instrument2023050100112
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$1,373.72
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3976 INLET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number0000000113
DateMay 01, 2023
Instrument2023050100113
Lender
NameLAND-HOME FINANCIAL SERVICES
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2053

December 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateDec 01, 2022
Property Address3976 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number0000000118
Book / Page13155 / 311
Map ReferenceMB 124 PG 159
Instrument DateNov 21, 2022
Instrument2022120100118
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 records · Assessment roll updated May 20, 2025 · Last verified January 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$1,387.00 (-15.27%)$91,550 (+25.07%)$366,200 (+25.07%) Land $50,000 Building $316,200
2024$1,637.00$73,200$292,800 Land $50,000 Building $242,800

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 172 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Electric Power Board of Chattanooga, TennesseeFiber100,000 / 100,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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