48 Whispering Pine Dr, Ringgold, GA 30736 Property Records

Catoosa County property record for 48 Whispering Pine Dr, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,896 sqft · built 1994
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Feb 2022)
Tax Bill	$2,641 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0035E083000`

Property Details

APN / Parcel Number

Primary APN	`0035E083000`
Alternative APNs	`0035E083` `17269`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,896 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	288 ft deep x 130 ft wide
Garage Area	638 sqft

Exterior Amenities

Porch	Patio
Porch Area	686 sqft
Deck Area	96 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17269
Street Address	48 WHISPERING PINE DR
City	RINGGOLD
State	GA
Zip	30736-6918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 83 MILL CREEK UNIT 2
Legal Subdivision	MILL CREEK
Legal Lot Number	83
Legal Unit	2
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	2
Census Block	2003
Census Tract	30202

Owner

Source: Catoosa County records, as of February 2, 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 Record
Mailing Address	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Dec 1, 2023	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Jun 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHATTANOOGA AREA SCHOOLS FCU
Feb 11, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS
Aug 6, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2022 · Amount on Record
Deed Sale	Feb 11, 2022 · Amount on Record
Prior Sale	Aug 2, 2019 · Amount on Record
Deed Document Number	2022318
Deed Book / Page	2203 / 58
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918

Mortgage

Document Number	0024200000000662
Date	Dec 3, 2025
Book Page	0000002420/0000000662

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2052

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Transaction Type	Mortgage
Record Updated	Jan 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918

Mortgage

Document Number	0023050000000682
Date	Dec 1, 2023
Book Page	0000002305/0000000682
Instrument	D2023007604

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018820366
Date	Jun 5, 2017
Book Page	1882/366
Instrument	003980

Lender

Name	CHATTANOOGA AREA SCHOOLS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Jul 1, 2040

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Feb 11, 2022
Property Address	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Document Number	0022030058
Book / Page	2203 / 58
Instrument Date	Feb 11, 2022
Instrument	2022-000318
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	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918

Mortgage

Document Number	0022030000000061
Date	Feb 11, 2022
Book Page	0000002203/0000000061
Instrument	001311

Lender

Name	CALIBER HOME LOANS

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Aug 6, 2019
Property Address	48 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Document Number	0020010745
Book / Page	002001 / 000745
Instrument Date	Aug 2, 2019
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	TITLE GUARANTY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WHISPERING PINE DR RINGGOLD GA 307366918, RINGGOLD, GA 30736-6918

Mortgage

Document Number	20010747
Date	Aug 6, 2019
Book Page	002001/000747

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,641.00 (+37.48%)	$139,130 (+62.08%) Land $14,000 Building $125,130	$347,826 (+62.09%) Land $35,000 Building $312,826
2023	$1,921.00 (+12.67%)	$85,838 Land $14,000 Building $71,838	$214,594 Land $35,000 Building $179,594
2022	$1,705.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · lower than 61% of Georgia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	RINGGOLD serves 2,953 people · EPA ID GA0470002
Water Source	Surface water
Last State Inspection	May 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ringgold Telephone Company Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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