102 Spinnaker Dr, Fort Oglethorpe, GA 30742 Property Records

Catoosa County property record for 102 Spinnaker Dr, Fort Oglethorpe, GA 30742

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,312 sqft · built 2018
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$280,240 (Nov 2018)
Tax Bill	$4,483 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0004A048000`

Property Details

APN / Parcel Number

Primary APN	`0004A048000`
Alternative APNs	`0004A048` `5295`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,312 sqft Heated Area
1st Floor Area	1,006 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Area	460 sqft
Porch	Slab
Porch Area	114 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5295
Street Address	102 SPINNAKER DR
City	FORT OGLETHORPE
State	GA
Zip	30742-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FOR R-3
Legal Description	LOT 48 LAKESHORE COVE PH1
Legal Subdivision	LAKESHORE COVE
Legal Phase	1
Legal Lot Number	48
Jurisdiction	CATOOSA GA
Township / Civil Division	FORT OGLETHORPE-LAKEVIEW
Census Block Group	1
Census Block	1010
Census Tract	30702

Owner

102 Spinnaker Dr is owned and occupied by two individuals who bought it in November 2018.

Source: Catoosa County records, as of February 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	102 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4211
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
May 5, 2020	Deed of Trust, Mortgage · VA Mortgage CREDENCE FNDG
Aug 15, 2019	Deed of Trust, Mortgage · VA Mortgage CREDENCE FNDG
Dec 6, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage CARDINAL FIN'L
Jun 15, 2018	Quit Claim Deed, Construction Loan · Construction Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2018 · Amount on File
Deed Sale	Nov 29, 2018 · Amount on File
Prior Sale	Apr 17, 2006 · Amount on File
Deed Document Number	20182629
Deed Book / Page	1966 / 494
Prior Transfer Date	Jun 5, 2018
Prior Transfer Doc	0019400278
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	102 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4211
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4211

Mortgage

Document Number	0021560000000178
Date	Jul 28, 2021
Book Page	0000002156/0000000178
Instrument	007351

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	102 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4211
Document Number	0020510264
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 SPINNAKER DR FORT OGLETHORPE GA 307424211, FORT OGLETHORPE, GA 30742-4211

Mortgage

Document Number	0020510264
Date	May 12, 2020
Book Page	002051/000264

Lender

Name	CREDENCE FNDG
Type	Funding / Finance Company
Address	ABERDEEN, MD 21001

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	102 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4211
Document Number	0020050136
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 SPINNAKER DR FORT OGLETHORPE GA 307424211, FORT OGLETHORPE, GA 30742-4211

Mortgage

Document Number	0020050136
Date	Aug 27, 2019
Book Page	002005/000136
Instrument	5680

Lender

Name	CREDENCE FNDG
Type	Funding / Finance Company
Address	ABERDEEN, MD 21001

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2049

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Dec 6, 2018
Property Address	102 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4211
Document Number	0019660494
Book / Page	001966 / 000494
Instrument Date	Nov 29, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 31, 2018
Title Company	JONES RAULSTON TITLE INSURANCE AGENCY, JONES RAULSTON TITLE INS AGCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	102 SPINNAKER DR FORT OGLETHORPE GA 30742, FORT OGLETHORPE, GA 30742

Mortgage

Document Number	19660496
Date	Dec 6, 2018
Book Page	001966/000496

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2048

June 2018: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	CATOOSA GA
Recording Date	Jun 15, 2018
Property Address	102 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4211
Document Number	0019400278
Book / Page	001940 / 000278
Instrument Date	Jun 5, 2018
Transaction Type	Construction Loan
Record Updated	Jul 2, 2018
Title Company	JONES RAULSTON TITLE INSURANCE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	102 SPINNAKER DR FORT OGLETHORPE GA 30742, FORT OGLETHORPE, GA 30742
Investor	Possibly a Property Investor

Mortgage

Document Number	19400280
Date	Jun 15, 2018
Book Page	001940/000280

Lender

Name	SMARTBANK
Type	Bank
Address	CHATTANOOGA, TN 37421

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 14, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 102 Spinnaker Dr was $4,483.

Source: Catoosa County assessment roll, as of February 2, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Catoosa County
Municipality	Fort Oglethorpe City
Unified School District	Catoosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,483.00	$199,586 Land $16,000 Building $183,586	$498,964 Land $40,000 Building $458,964
2023	$4,356.00 (+31.88%)	$155,115 Land $16,000 Building $139,115	$387,787 Land $40,000 Building $347,787
2022	$3,303.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 102 Spinnaker Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 12, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 102 Spinnaker Dr is moderate, ranking above 44% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 42% of Georgia
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	FORT OGLETHORPE serves 8,313 people · EPA ID GA0470001
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Nov 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ringgold Telephone Company.

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