3995 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 3995 Inlet Loop, Chattanooga, TN 37416

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,638 sqft · built 2023
Lot Size	0.338 acres (14,740 sqft)
Owner	Individual Name on Record
Last Sale	$365,825 (Mar 2023)
Tax Bill	$1,352 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120K C 026`

Property Details

APN / Parcel Number

Primary APN	`120K C 026`
Alternative APN	`0000393478`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,638 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	14,740 sqft (0.338 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000393478
Street Address	3995 INLET LOOP
City	CHATTANOOGA
State	TN
Zip	37416-3087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 92 WATERSTONE RIDGE PB 124 PG 159 OUT OF 120K A 016 FOR 2023
Legal Subdivision	WATERSTONE RIDGE PHASE III
Legal Lot Number	92
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	3995 INLET LOOP, CHATTANOOGA, TN 37416-3087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2025	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Mar 31, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PRIMIS MORTGAGE CO
Dec 1, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Deed Document Number	202399
Deed Book / Page	13251 / 740
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	3995 INLET LOOP, CHATTANOOGA, TN 37416-3087
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 INLET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number	0000000025
Date	Aug 21, 2025
Book Page	14020/335
Instrument	2025082100025

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Apr 1, 2053

March 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 31, 2023
Property Address	3995 INLET LOOP, CHATTANOOGA, TN 37416-3087
Document Number	0000000099
Book / Page	13251 / 740
Map Reference	MB 124 PG 159
Instrument Date	Mar 30, 2023
Instrument	2023033100099
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	$1,353.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 INLET LOOP, CHATTANOOGA, TN 37416-3087

Mortgage

Document Number	0132510743
Date	Mar 31, 2023
Instrument	13251-0743

Lender

Name	PRIMIS MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 1, 2022
Property Address	3995 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	$1,352.00 (-20.61%)	$89,250 (+17.24%)	$357,000 (+17.24%) Land $50,000 Building $307,000
2024	$1,703.00	$76,125	$304,500 Land $50,000 Building $254,500

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 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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