1761 Earnest Rd, Cohutta, GA 30710 Property Records

Whitfield County property record for 1761 Earnest Rd, Cohutta, GA 30710

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,764 sqft · built 1995
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Dec 2013)
Tax Bill	$2,628 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-006-05-000`

Property Details

APN / Parcel Number

Primary APN	`10-006-05-000`
Alternative APN	`1610`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,764 sqft Heated Area
1st Floor Area	1,176 sqft
Upper Floors Area	588 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	66,647 sqft (1.53 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	336 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Storage Building	103 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1610
Street Address	1761 EARNEST RD
City	COHUTTA
State	GA
Zip	30710-9759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.53A LL 6-10
Legal Subdivision	ELM TREE ESTATES
Jurisdiction	WHITFIELD GA
Township / Civil Division	NORTH WHITFIELD
Census Block Group	2
Census Block	2002
Census Tract	101

Owner

1761 Earnest Rd is owned and occupied by two individuals who bought it in December 2013.

Source: Whitfield County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1761 EARNEST RD, COHUTTA, GA 30710-9759
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
Nov 21, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCE
Aug 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Feb 22, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2013 · Amount on File
Deed Sale	Dec 3, 2013 · Amount on File
Prior Sale	Apr 1, 1990
Deed Document Number	20132801
Deed Book / Page	5976 / 216
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITFIELD GA
Property Address	1761 EARNEST RD, COHUTTA, GA 30710-9759
Transaction Type	Mortgage
Record Updated	Dec 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1761 EARNEST RD, COHUTTA, GA 30710-9759

Mortgage

Document Number	0069670000000654
Date	Nov 21, 2022
Book Page	0000006967/0000000654

Lender

Name	AMERICAN FINANCE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITFIELD GA
Property Address	1761 EARNEST RD, COHUTTA, GA 30710-9759
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065650072
Date	Aug 30, 2017
Book Page	6565/72

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Sep 1, 2020

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHITFIELD GA
Property Address	1761 EARNEST RD, COHUTTA, GA 30710-9759
Document Number	0066980700
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1761 EARNEST RD COHUTTA GA 307109759, COHUTTA, GA 30710-9759

Mortgage

Document Number	0066980700
Date	Mar 21, 2019
Book Page	006698/000700

Lender

Name	PENNYMAC
Address	MCOORPARK, CA 92021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 1761 Earnest Rd was $2,628 with a homeowner's exemption, up 20.8% from the year before.

Source: Whitfield County assessment roll, as of January 30, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Whitfield County
Unified School District	Whitfield County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,628.00 (+20.83%) Homeowner's exemption	$119,216 (-) Land $8,872 Building $110,344	$298,042 (-) Land $22,181 Building $275,861
2024	$2,175.00 (+40.96%) Homeowner's exemption	$119,216 (+49.1%) Land $8,872 Building $110,344	$298,042 (+49.1%) Land $22,181 Building $275,861
2023	$1,543.00 (-3.44%) Homeowner's exemption	$79,956 (+27.4%) Land $6,638 Building $73,318	$199,892 (+27.4%) Land $16,596 Building $183,296
2022	$1,598.00 Homeowner's exemption	$62,762 Land $5,828 Building $56,934	$156,905 Land $14,571 Building $142,334

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

FEMA maps place 1761 Earnest Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective November 7, 2011 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	May 2003 · 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

Wildfire risk around 1761 Earnest Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 58% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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