Hamilton County property record for 4245 Inlet Loop, Chattanooga, TN 37416 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,115 sqft · built 2018 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $314,000 (Oct 2018) |
| Tax Bill | $1,692 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120J M 011 |
| Primary APN | 120J M 011 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,115 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,250 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0000385004 |
|---|---|
| Street Address | 4245 INLET LOOP |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-3070 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 41 WATERSTONE RIDGE SUB PB 109 PG 24 OUT OF 120J A 005.03 FOR 2017 |
| Legal Subdivision | WATERSTONE RIDGE SUB |
| Legal Lot Number | 41 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 9 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11411 |
Source: Hamilton County records · APN 120J M 011
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4245 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TENNESSEE VALLEY FCU |
| Oct 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARC HOME LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 16, 2018 · Amount on Record |
| Deed Sale | Oct 16, 2018 · Amount on Record |
| Prior Sale | Aug 24, 2017 · Amount on Record |
| Deed Document Number | 2018101600034 |
| Deed Book / Page | 11477 / 773 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 4245 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Transaction Type | Mortgage |
| Record Updated | Jan 08, 2026 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0000000311 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 14151/379 |
| Instrument | 2025122900311 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 4245 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000000143 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 12697/46 |
| Instrument | 2021101900143 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jun 01, 2051 |
Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,692.00 (-2.14%) | $111,675 (+44.47%) | $446,700 (+44.47%) Land $50,000 Building $396,700 |
| 2024 | $1,729.00 | $77,300 (-) | $309,200 (-) Land $50,000 Building $259,200 |
| 2023 | $1,729.00 | $77,300 (-) | $309,200 (-) Land $50,000 Building $259,200 |
| 2022 | $1,729.00 | $77,300 | $309,200 Land $50,000 Building $259,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Low above 36% of the US · above 53% of Tennessee |
|---|---|
| Wildfire Likelihood | About 1 in 1,887 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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