Hamilton County property record for 4156 Inlet Loop, Chattanooga, TN 37416
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,723 sqft · built 2022 |
| Lot Size | 0.155 acres (6,776 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $543,000 (Jun 2026) |
| Tax Bill | $2,064 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 120K D 002 |
| Primary APN | 120K D 002 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,723 sqft Living Area |
| 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 | 6,776 sqft (0.155 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0000391461 |
|---|---|
| Street Address | 4156 INLET LOOP |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-3086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 85 WATERSTONE RIDGE PHASE II PB 122 PG 15 OUT OF 120 K A 016 FOR 2022 |
| Legal Subdivision | WATERSTONE RIDGE PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 85 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 9 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11411 |
Source: Hamilton County records · APN 120K D 002
Assessment roll updated January 2, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 4156 INLET LOOP, CHATTANOOGA, TN 37416-3086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 01, 2026 | Warranty Deed, Transfer · Conventional Mortgage CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY |
| Jun 01, 2026 | Quit Claim Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY |
| Jun 06, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CADENCE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 01, 2026 · Amount on Record |
| Deed Sale | Jun 01, 2026 · Amount on Record |
| Prior Sale | Jun 06, 2022 · Amount on Record |
| Deed Document Number | 2026298 |
| Deed Book / Page | 14317 / 971 |
| Prior Transfer Date | May 15, 2026 |
| Prior Transfer Doc | 0000000297 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 01, 2026 |
| Property Address | 4156 INLET LOOP, CHATTANOOGA, TN 37416-3086 |
| Document Number | 0000000298 |
| Book / Page | 14317 / 971 |
| Instrument Date | May 29, 2026 |
| Instrument | 2026298 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $202,919.10 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4156 INLET LOOP, CHATTANOOGA, TN 37416-3086 |
| Document Number | 0000000299, |
|---|---|
| Date | Jun 01, 2026 |
| Instrument | 20261299 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 01, 2026 |
| Property Address | 4156 INLET LOOP, CHATTANOOGA, TN 37416-3086 |
| Document Number | 0000000297 |
| Book / Page | 14317 / 968 |
| Instrument Date | May 15, 2026 |
| Instrument | 2026297 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GUARANTY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4156 INLET LOOP, CHATTANOOGA, TN 37416-3086 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 06, 2022 |
| Property Address | 4156 INLET LOOP, CHATTANOOGA, TN 37416-3086 |
| Document Number | 0000000213 |
| Book / Page | 12983 / 193 |
| Map Reference | MB 122 PG 15 |
| Instrument Date | Jun 03, 2022 |
| Instrument | 2022060600213 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,693.21 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4156 INLET LOOP, CHATTANOOGA, TN 37416-3086 |
| Document Number | 0129830196 |
|---|---|
| Date | Jun 06, 2022 |
| Instrument | 12983-0196 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 05, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
Source: Hamilton County records · Assessment roll updated January 2, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,064.00 (-10.18%) | $136,225 (+32.61%) | $544,900 (+32.61%) Land $50,000 Building $494,900 |
| 2024 | $2,298.00 | $102,725 (-) | $410,900 (-) Land $50,000 Building $360,900 |
| 2023 | $2,298.00 (+87.13%) | $102,725 (+87.11%) | $410,900 (+87.11%) Land $50,000 Building $360,900 |
| 2022 | $1,228.00 | $54,900 | $219,600 Land $50,000 Building $169,600 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Moderate above 47% of the US · above 64% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TENNESSEE AMERICAN WATER private · serves 207,046 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 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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