81 Whispering Pine Dr, Ringgold, GA 30736 Property Records

Catoosa County property record for 81 Whispering Pine Dr, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,636 sqft · built 1995
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,400 (Jul 2019)
Tax Bill	$2,231 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0035E078000`

Property Details

APN / Parcel Number

Primary APN	`0035E078000`
Alternative APNs	`0035E078` `17264`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,636 sqft Heated Area
1st Floor Area	1,636 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	153 ft deep x 150 ft wide
Porch	Slab
Porch Area	162 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17264
Street Address	81 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 78 MILL CREEK UNIT 2
Legal Subdivision	MILL CREEK
Legal Lot Number	78
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	2 Individual Names on Record
Mailing Address	81 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Aug 26, 2017	Deed of Trust, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2019 · Amount on Record
Deed Sale	Jul 26, 2019 · Amount on Record
Prior Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	20191722
Deed Book / Page	2002 / 288
Prior Transfer Date	Apr 22, 2016
Prior Transfer Doc	0018220367
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Aug 8, 2019
Property Address	81 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Document Number	0020020288
Book / Page	002002 / 000288
Instrument Date	Jul 26, 2019
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	REALTY CENTER TITLE AND ESCROW L, REALTY CENTER TITLE & ESCROW L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.40
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	81 WHISPERING PINE DR RINGGOLD GA 307366918, RINGGOLD, GA 30736-6918

Mortgage

Document Number	20020290
Date	Aug 8, 2019
Book Page	002002/000290

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	81 WHISPERING PINE DR, RINGGOLD, GA 30736-6918
Document Number	0018980496
Book / Page	001898 / 000496
Instrument Date	Aug 26, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 WHISPERING PINE DR RINGGOLD GA 307366918, RINGGOLD, GA 30736-6918

Mortgage

Document Number	0018980496
Date	Sep 15, 2017
Book Page	001898/000496

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2047

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	$2,231.00 (+14.06%)	$117,525 (+34.51%) Land $14,000 Building $103,525	$293,812 (+34.51%) Land $35,000 Building $258,812
2023	$1,956.00 (+23.64%)	$87,372 Land $14,000 Building $73,372	$218,429 Land $35,000 Building $183,429
2022	$1,582.00

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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All Ringgold, GA Property Records

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