78 Bent Tree Dr, Ringgold, GA 30736 Property Records

Catoosa County property record for 78 Bent Tree Dr, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,649 sqft · built 2000
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,900 (Apr 2014)
Tax Bill	$3,676 (2025)
Deeds & Mortgages	Apr 2026 Second Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0040H012000`

Property Details

APN / Parcel Number

Primary APN	`0040H012000`
Alternative APNs	`0040H012` `20865`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,649 sqft Heated Area
1st Floor Area	1,789 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	184 ft deep x 111 ft wide
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	290 sqft
Deck Area	16 sqft
Storage Building	140 sqft
Utility Building	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20865
Street Address	78 BENT TREE DR
City	RINGGOLD
State	GA
Zip	30736-7498
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 12 BENT TREE SUB PH 2
Legal Subdivision	BENT TREE
Legal Phase	2
Legal Lot Number	12
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	1
Census Block	1024
Census Tract	30305

Owner

Source: Catoosa County records, as of June 8, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	78 BENT TREE DR, RINGGOLD, GA 30736-7498
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage
Jan 20, 2026	Deed of Trust, Mortgage · Closed-End Mortgage TRUST FEDERAL CREDIT UNION 3
Jul 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2014 · Amount on Record
Deed Sale	Apr 30, 2014 · Amount on Record
Prior Sale	Sep 28, 2001 · Amount on Record
Deed Document Number	2014780
Deed Book / Page	1724 / 794
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Recording Date	Apr 15, 2026
Property Address	78 BENT TREE DR, RINGGOLD, GA 30736-7498
Document Number	0024420000000030
Book / Page	2442 / 30
Instrument Date	Apr 9, 2026
Instrument	202624
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 BENT TREE DR, RINGGOLD, GA 30736-7498
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000024,
Date	Apr 15, 2026
Book Page	2442/30
Instrument	202624

Lender

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	78 BENT TREE DR, RINGGOLD, GA 30736-7498
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 BENT TREE DR, RINGGOLD, GA 30736-7498
Investor	Possibly a Property Investor

Mortgage

Document Number	0024280000000286
Date	Jan 20, 2026
Book Page	0000002428/0000000286
Instrument	2026000381

Lender

Name	TRUST FEDERAL CREDIT UNION 3

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2046

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	78 BENT TREE DR, RINGGOLD, GA 30736-7498
Document Number	0019970457
Instrument Date	Jul 8, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	78 BENT TREE DR RINGGOLD GA 307367498, RINGGOLD, GA 30736-7498

Mortgage

Document Number	0019970457
Date	Jul 12, 2019
Book Page	001997/000457
Instrument	4471

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 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	$3,676.00 (+16%)	$193,656 (+34.88%) Land $16,000 Building $177,656	$484,139 (+34.88%) Land $40,000 Building $444,139
2023	$3,169.00 (+65.4%) Homeowner's exemption	$143,572 Land $16,000 Building $127,572	$358,931 Land $40,000 Building $318,931
2022	$1,916.00

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

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 A, within 500 ft
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

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

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 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

Cell Coverage

5G (outdoors only) and 4G LTE

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