Hamilton County property record for 4285 Inlet Loop, Chattanooga, TN 37416 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,110 sqft · built 2019 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Jan 2025) |
| Tax Bill | $1,736 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 120J M 021 |
| Primary APN | 120J M 021 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,110 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000385014 |
|---|---|
| Street Address | 4285 INLET LOOP |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-3070 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 31 WATERSTONE RIDGE SUB PB 109 PG 24 OUT OF 120J A 005.03 FOR 2017 |
| Legal Subdivision | WATERSTONE RIDGE SUB |
| Legal Lot Number | 31 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 9 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11411 |
Source: Hamilton County records · APN 120J M 021
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 | Individual Name on File |
|---|---|
| Mailing Address | 4285 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Jan 17, 2025 | Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU |
| Apr 13, 2020 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage SHELTER LNDG SVCS |
| Apr 12, 2019 | Warranty Deed, Construction Loan · Construction Mortgage FIRST VOLUNTEER BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 17, 2025 · Amount on Record |
| Deed Sale | Jan 17, 2025 · Amount on Record |
| Prior Sale | Apr 13, 2020 · Amount on Record |
| Deed Document Number | 2025011700108 |
| Deed Book / Page | 13816 / 42 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 4285 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000015 |
|---|---|
| Date | Mar 03, 2021 |
| Book Page | 12379/1 |
| Instrument | 2021030300015 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 17, 2025 |
| Property Address | 4285 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Document Number | 0000000108 |
| Book / Page | 13816 / 42 |
| Map Reference | MB 109 PG 24 |
| Instrument Date | Jan 11, 2025 |
| Instrument | 2025011700108 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,628.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4285 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Document Number | 0001381645 |
|---|---|
| Date | Jan 17, 2025 |
| Instrument | 13816/45 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.54% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.54% |
| Max Rate At Change | 7.54% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 13, 2020 |
| Property Address | 4285 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Document Number | 0413000117 |
| Book / Page | 011966 / 000398 |
| Instrument Date | Apr 09, 2020 |
| Instrument | 200413000117 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 30, 2020 |
| Title Company | WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,166.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4285 INLET LOOP CHATTANOOGA TN 374163070, CHATTANOOGA, TN 37416-3070 |
| Document Number | 413000118 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 011966/000400 |
| Instrument | 200413000118 |
| Name | SHELTER LNDG SVCS |
|---|---|
| Address | BROWN DEER, WI 53209 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 12, 2019 |
| Property Address | 4285 INLET LOOP, CHATTANOOGA, TN 37416-3070 |
| Document Number | 0412000033 |
| Book / Page | 011612 / 000350 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 190412000033 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 10, 2020 |
| Title Company | WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $203.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6143 OOLTEWAH GEORGETOWN RD OOLTEWAH TN 373635656, OOLTEWAH, TN 37363-5656 |
| Investor | Possibly a Property Investor |
| Document Number | 412000034 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 011612/000352 |
| Instrument | 190412000034 |
| Name | FIRST VOLUNTEER BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37421 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 11, 2020 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,736.00 (-0.91%) | $114,600 (+46.27%) | $458,400 (+46.27%) Land $50,000 Building $408,400 |
| 2024 | $1,752.00 | $78,350 (-) | $313,400 (-) Land $50,000 Building $263,400 |
| 2023 | $1,752.00 | $78,350 (-) | $313,400 (-) Land $50,000 Building $263,400 |
| 2022 | $1,752.00 | $78,350 | $313,400 Land $50,000 Building $263,400 |
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 | Moderate above 46% of the US · above 62% of Tennessee |
|---|---|
| Wildfire Likelihood | About 1 in 1,220 per year |
| 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.
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