109 Stephenson Dr, Fort Oglethorpe, GA 30742 Property Records

Catoosa County property record for 109 Stephenson Dr, Fort Oglethorpe, GA 30742

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,308 sqft · built 1956
Lot Size	0.32 acres (13,939 sqft)
Owner	Company Name on Record
Last Sale	$243,000 (Mar 2025)
Tax Bill	$1,832 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0003F104000`

Property Details

APN / Parcel Number

Primary APN	`0003F104000`
Alternative APNs	`0003F104` `4383`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,308 sqft Heated Area
1st Floor Area	984 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	150 ft deep x 92 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Deck Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	4383
Street Address	109 STEPHENSON DR
City	FORT OGLETHORPE
State	GA
Zip	30742-3761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FOR R-2
Legal Description	LOT 2 BLK F GILBERT & STEPHENSON SUB PB 4/35
Legal Subdivision	GILBERT STEPHENSON
Legal Block	F
Legal Lot Number	2
Jurisdiction	CATOOSA GA
Township / Civil Division	FORT OGLETHORPE-LAKEVIEW
Census Block Group	1
Census Block	1040
Census Tract	30701

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Catoosa County records, as of June 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	28 N COMMERCE DR, RINGGOLD, GA 30736-8401
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage PINNACLE BANK
Nov 19, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIME LENDING
Nov 2, 2020	Deed of Trust, Mortgage · Line of Credit TENNESSEE VLY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2025 · Amount on Record
Deed Sale	Mar 14, 2025 · Amount on Record
Prior Sale	Nov 19, 2021 · Amount on Record
Deed Book / Page	2374 / 167
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Recording Date	May 18, 2026
Property Address	109 STEPHENSON DR, FORT OGLETHORPE, GA 30742-3761
Document Number	0024480000000148
Book / Page	2448 / 148
Instrument Date	Apr 21, 2026
Instrument	2026334
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000334,
Date	May 18, 2026
Book Page	2448/148
Instrument	2026334

Lender

Name	PINNACLE BANK

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 1, 2031

Interest

Rate	6.38%
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Nov 19, 2021
Property Address	109 STEPHENSON DR, FORT OGLETHORPE, GA 30742-3761
Document Number	0021860113
Book / Page	2186 / 113
Instrument Date	Nov 19, 2021
Instrument	2021-002898
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 STEPHENSON DR, FORT OGLETHORPE, GA 30742-3761

Mortgage

Document Number	0021860000000115
Date	Nov 23, 2021
Book Page	0000002186/0000000115
Instrument	011536

Lender

Name	PRIME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	109 STEPHENSON DR, FORT OGLETHORPE, GA 30742-3761
Document Number	0020920307
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	ELITE TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 STEPHENSON DR FORT OGLETHORPE GA 307423761, FORT OGLETHORPE, GA 30742-3761

Mortgage

Document Number	0020920307
Date	Nov 12, 2020
Book Page	002092/000307
Instrument	9400

Lender

Name	TENNESSEE VLY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 11, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$1,832.00 (+9.44%)	$81,587 (+36.89%) Land $7,600 Building $73,987	$203,967 (+36.89%) Land $19,000 Building $184,967
2023	$1,674.00 (+29.17%)	$59,600 Land $8,611 Building $50,989	$149,001 Land $21,528 Building $127,473
2022	$1,296.00

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.

Flood

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2009–2025)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2025 · river or lake flooding

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Ringgold Telephone Company.

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