76 Spinnaker Dr, Fort Oglethorpe, GA 30742 Property Records

Catoosa County property record for 76 Spinnaker Dr, Fort Oglethorpe, GA 30742

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,970 sqft · built 2021
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$326,140 (Sep 2021)
Tax Bill	$4,970 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Nov 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0004A046000`

Property Details

APN / Parcel Number

Primary APN	`0004A046000`
Alternative APNs	`0004A046` `5293`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,970 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	104 ft deep x 75 ft wide
Garage Area	682 sqft
Porch	Slab
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5293
Street Address	76 SPINNAKER DR
City	FORT OGLETHORPE
State	GA
Zip	30742-4243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FOR R-3
Legal Description	LOT 46 LAKESHORE COVE PH1
Legal Subdivision	LAKESHORE COVE
Legal Phase	1
Legal Lot Number	46
Jurisdiction	CATOOSA GA
Township / Civil Division	FORT OGLETHORPE-LAKEVIEW
Census Block Group	1
Census Block	1010
Census Tract	30702

Owner

76 Spinnaker Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	76 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4243
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
Sep 30, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE
Nov 17, 2020	Grant Deed, Transfer TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC
Jul 31, 2019	Loan Modification, Mortgage DEVELOPMENT PROP SVCS LLC
Oct 2, 2017	Quit Claim Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on File
Deed Sale	Sep 30, 2021 · Amount on File
Prior Sale	Oct 7, 2020 · Amount on File
Deed Document Number	20212395
Deed Book / Page	2173 / 564
Transfer Doc	0017270278
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Sep 30, 2021
Property Address	76 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4243
Document Number	0021730564
Book / Page	2173 / 564
Instrument Date	Sep 30, 2021
Instrument	2021-002395
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 25, 2022

Transaction

Amount	Amount on Record
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	76 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4243

Mortgage

Document Number	0021730000000567
Date	Oct 4, 2021
Book Page	0000002173/0000000567
Instrument	009761

Lender

Name	DHI MORTGAGE

Agreement

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Nov 17, 2020
Property Address	76 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4243
Document Number	0020930666
Book / Page	002093 / 000666
Instrument Date	Oct 7, 2020
Instrument	9612
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount on Record
Tax	$546.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	SPINNAKER DR FORT OGLETHORPE GA 30742, FORT OGLETHORPE, GA 30742

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CATOOSA GA
Recording Date	Jul 31, 2019
Property Address	76 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4243
Document Number	0020000602
Book / Page	002000 / 000602
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	LAKESHORE COVE DR GA, GA

Mortgage

Document Number	20000602
Date	Jul 31, 2019
Book Page	002000/000602

Lender

Name	DEVELOPMENT PROP SVCS LLC

Agreement

Amount	Amount on Record
Term	36 Months
Due	Jul 30, 2022

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CATOOSA GA
Recording Date	Oct 2, 2017
Property Address	76 SPINNAKER DR, FORT OGLETHORPE, GA 30742-4243
Document Number	0019010292
Book / Page	001901 / 000292
Instrument Date	Sep 28, 2017
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

The 2025 property tax bill for 76 Spinnaker Dr was $4,970 with a homeowner's exemption.

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	$4,970.00 Homeowner's exemption	$224,494 Land $16,000 Building $208,494	$561,235 Land $40,000 Building $521,235
2023	$4,828.00 (+34.26%)	$171,889 Land $16,000 Building $155,889	$429,723 Land $40,000 Building $389,723
2022	$3,596.00

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

Flood

FEMA maps place 76 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 76 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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