4037 Inlet Loop, Chattanooga, TN 37416 Property Records

Hamilton County property record for 4037 Inlet Loop, Chattanooga, TN 37416

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,024 sqft · built 2022
Lot Size	0.282 acres (12,296 sqft)
Owner	2 Individual Names on Record
Last Sale	$427,400 (Jul 2024)
Tax Bill	$1,436 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120K C 021`

Property Details

APN / Parcel Number

Primary APN	`120K C 021`
Alternative APN	`0000393473`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,024 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	12,296 sqft (0.282 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000393473
Street Address	4037 INLET LOOP
City	CHATTANOOGA
State	TN
Zip	37416-3085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 87 WATERSTONE RIDGE PB 124 PG 159 OUT OF 120K A 016 FOR 2023
Legal Subdivision	WATERSTONE RIDGE PHASE III
Legal Lot Number	87
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	3
Census Block	3000
Census Tract	11411

Owner

Source: Hamilton County records, as of April 2, 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 Record
Mailing Address	6252 WACISSA DR, COLORADO SPRINGS, CO 80925-8459
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2024	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Feb 20, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2024 · Amount on Record
Deed Sale	Jul 9, 2024 · Amount on Record
Prior Sale	Feb 20, 2023 · Amount on Record
Deed Document Number	2024175
Deed Book / Page	13643 / 996
Record Updated	Jun 8, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 9, 2024
Property Address	4037 INLET LOOP, CHATTANOOGA, TN 37416-3085
Document Number	0000000175
Book / Page	13643 / 996
Map Reference	MB 124 PG 159
Instrument Date	Jun 24, 2024
Instrument	2024070900175
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	NORTHSHORE TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,581.38
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6252 WACISSA DR, COLORADO SPRINGS, CO 80925-8459
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000176
Date	Jul 9, 2024
Instrument	2024070900176

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

February 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 20, 2023
Property Address	4037 INLET LOOP, CHATTANOOGA, TN 37416-3085
Document Number	0000000102
Book / Page	13215 / 727
Map Reference	MB 124 PG 159
Instrument Date	Feb 17, 2023
Instrument	2023022000102
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	$1,590.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4037 INLET LOOP, CHATTANOOGA, TN 37416-3085

Mortgage

Document Number	0132150730
Date	Feb 20, 2023
Instrument	13215-0730

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

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	$1,436.00 (-19.78%)	$94,750 (+18.36%)	$379,000 (+18.36%) Land $50,000 Building $329,000
2024	$1,790.00	$80,050	$320,200 Land $50,000 Building $270,200

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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