Catoosa County property record for 103 Whisper Dr, Ringgold, GA 30736
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,512 sqft · built 1994 |
| Lot Size | 0.369 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $162,000 (Jan 2018) |
| Tax Bill | $2,311 (2025) |
| Deeds & Mortgages | Dec 2021 Second Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0025D020000 |
| Primary APN | 0025D020000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,512 sqft Heated Area |
| 1st Floor Area | 1,512 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Other |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.369 acres) |
| Lot Dimensions | 162 ft deep x 100 ft wide |
| Garage Area | 524 sqft |
| Porch | Open Porch |
| Porch Area | 282 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 14474 |
|---|---|
| Old Parcel Number | 0025D020000 |
| Street Address | 103 WHISPER DR |
| City | RINGGOLD |
| State | GA |
| Zip | 30736-2941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 20 WHISPERWOOD SUB |
| Legal Subdivision | WHISPERWOOD |
| Legal Lot Number | 20 |
| Jurisdiction | CATOOSA GA |
| Township / Civil Division | RINGGOLD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 30305 |
103 Whisper Dr is owned and occupied by two individuals who acquired it in January 2018.
Source: Catoosa County records, as of January 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 WHISPER DR, RINGGOLD, GA 30736-2941 |
| 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.
| Date | Document |
|---|---|
| Dec 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TENNESSEE VALLEY FEDERAL CREDIT UNION |
| Jul 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE |
| Nov 13, 2018 | Deed of Trust, Mortgage · Conventional with PMI FREEDOM MTG |
| Jan 24, 2018 | Warranty Deed, Transfer · Conventional with PMI PEOPLES HM EQUITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2018 · Amount on File |
| Deed Sale | Jan 22, 2018 · Amount on File |
| Deed Document Number | 0001917650 |
| Deed Book / Page | 1917 / 650 |
| Last Transfer Date | Jan 24, 2018 |
| Transfer Doc | 0019170650 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 103 WHISPER DR, RINGGOLD, GA 30736-2941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 103 WHISPER DR, RINGGOLD, GA 30736-2941 |
| Document Number | 0021890000000132 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 0000002189/0000000132 |
| Instrument | 011959 |
| Name | TENNESSEE VALLEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 132 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 103 WHISPER DR, RINGGOLD, GA 30736-2941 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 103 WHISPER DR, RINGGOLD, GA 30736-2941 |
| Document Number | 0021490000000001 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | 0000002149/0000000001 |
| Instrument | 006353 |
| Name | AMERISAVE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 103 WHISPER DR, RINGGOLD, GA 30736-2941 |
| Document Number | 0019640274 |
| Instrument Date | Nov 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 103 WHISPER DR RINGGOLD GA 307362941, RINGGOLD, GA 30736-2941 |
| Document Number | 0019640274 |
|---|---|
| Date | Nov 21, 2018 |
| Book Page | 001964/000274 |
| Instrument | 8132 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 20, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Jan 24, 2018 |
| Property Address | 103 WHISPER DR, RINGGOLD, GA 30736-2941 |
| Document Number | 0019170650 |
| Book / Page | 001917 / 000650 |
| Instrument Date | Jan 22, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2018 |
| Title Company | REALTY CENTER TITLE AND ESCROW L |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 103 WHISPER DR RINGGOLD GA 307362941, RINGGOLD, GA 30736-2941 |
| Document Number | 19170653 |
|---|---|
| Date | Jan 24, 2018 |
| Book Page | 001917/000653 |
| Name | PEOPLES HM EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | BRENTWOOD, TN 37027 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 23, 2033 |
The 2025 property tax bill for 103 Whisper Dr was $2,311.
Source: Catoosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Catoosa County |
| Unified School District | Catoosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,311.00 | $121,764 Land $12,000 Building $109,764 | $304,410 Land $30,000 Building $274,410 |
| 2023 | $2,040.00 (+26.87%) | $91,164 Land $12,000 Building $79,164 | $227,910 Land $30,000 Building $197,910 |
| 2022 | $1,608.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Whisper Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 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 risk around 103 Whisper Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 45% of Georgia |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CATOOSA UTIL. DIST. AUTHORITY serves 59,643 people · EPA ID GA0470000 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 3 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, 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.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ringgold Telephone Company Fiber · DSL in parts of the area | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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