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4028 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 4028 Inlet Loop, Chattanooga, TN 37416

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 1,895 sqft · built 2024
Lot Size0.143 acres (6,249 sqft)
OwnerIndividual Name on File
Last Sale$1,558 (Jul 2024)
Tax Bill$1,684 (2025)
Deeds & MortgagesApr 2026 Mortgage
May 2025 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN120K E 005

Property Details

APN / Parcel Number

Primary APN120K E 005
Alternative APN
  • 0000393465

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,895 sqft Building Perimeter

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,249 sqft (0.143 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0000393465
Street Address4028 INLET LOOP
CityCHATTANOOGA
StateTN
Zip37416-3084
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 139 WATERSTONE RIDGE PB 124 PG 159 OUT OF 120K A 016 FOR 2023
Legal SubdivisionWATERSTONE RIDGE PHASE III
Legal Lot Number139
JurisdictionHAMILTON TN
Township / Civil Division9
Census Block Group3
Census Block3000
Census Tract11411

Owner

Source: Hamilton County records · APN 120K E 005

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 RecordIndividual Name on File
Mailing Address4028 INLET LOOP, CHATTANOOGA, TN 37416-3084
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2026Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORPORATION
May 13, 2025Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Jul 15, 2024Warranty Deed, Subdivision Related Transfer · FHA Mortgage
GMFS LLC
Feb 19, 2024Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 15, 2024 · Amount on Record
Deed SaleJul 15, 2024 · Amount on Record
Deed Document Number202461
Deed Book / Page13648 / 464
Prior Transfer DateFeb 09, 2024
Prior Transfer Doc0000000056
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Recording DateApr 28, 2026
Property Address4028 INLET LOOP, CHATTANOOGA, TN 37416-3084
Document Number0000000024
Book / Page14276 / 502
Instrument DateApr 21, 2026
Instrument202624
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address4028 INLET LOOP, CHATTANOOGA, TN 37416-3084

Mortgage

Document Number0000000024,
DateApr 28, 2026
Book Page14276/502
Instrument202624
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term345 Months
DueJan 01, 2055
Interest
Rate6.38%
Max Rate-1%

May 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address4028 INLET LOOP, CHATTANOOGA, TN 37416-3084
Transaction TypeMortgage
Record UpdatedSep 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4028 INLET LOOP, CHATTANOOGA, TN 37416-3084

Mortgage

Document Number0000000072
DateMay 13, 2025
Book Page13920/338
Instrument2025051300072
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term354 Months
DueNov 01, 2054

July 2024: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJul 15, 2024
Property Address4028 INLET LOOP, CHATTANOOGA, TN 37416-3084
Document Number0000000061
Book / Page13648 / 464
Map ReferenceMB 124 PG 159
Instrument DateJul 12, 2024
Instrument2024071500061
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$1,558.83
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4028 INLET LOOP, CHATTANOOGA, TN 37416-3084

Mortgage

Document Number0000000062
DateJul 15, 2024
Instrument2024071500062
Lender
NameGMFS LLC
TypeSubprime Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2054

February 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateFeb 19, 2024
Property Address4028 INLET LOOP, CHATTANOOGA, TN 37416-3084
Document Number0000000056
Book / Page13514 / 976
Map ReferenceMB 126 PG 192
Instrument DateFeb 09, 2024
Instrument2024021900056
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 January 2, 2026 · Last verified August 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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,684.00 (+147.65%)$111,125 (+265.24%)$444,500 (+265.24%) Land $50,000 Building $394,500
2024$680.00 (+143.73%)$30,425 (+143.4%)$121,700 (+143.4%) Land $50,000 Building $71,700
2023$279.00$12,500$50,000 Land $50,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 30, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskModerate
above 47% of the US · above 64% of Tennessee
Wildfire Likelihood0.1% annual chance
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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Electric Power Board of Chattanooga, Tennessee
Fiber		100,000 / 100,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: AT&T.

Based on FCC filings for 172 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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