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59 Whispering Creek Trl, Ringgold, GA, 30736

3beds
4baths
2,656sqft
$1,250,000
$471price/sqft
$7,398/moest. monthly cost
$295,920/yrincome needed

About This Home

The first Two Townhomes are out of the ground and ready to tour. We welcome you to the Council Fire Clubhouse Townhomes, an exclusive collection of luxury residences designed for those who seek elegance and comfort in a serene environment. These townhomes offer a perfect blend of modern amenities and picturesque views, making them the ideal choice for discerning homeowners. The Council Fire Clubhouse Townhomes comprise a limited edition of 10 luxury townhomes which are situated in a premier location overlooking a lake at the 18th hole of the Council Fire Golf Course which will have views of the 18th tee all the way to the green. The 18th hole is being redesigned to also take in breathtaking views all the way to the creek. Some of the key features of the construction are exterior brick and stone exteriors, engineered hardwood flooring and tile throughout, solid wood cabinets with solid surface counter tops, GE Monogram Stainless appliances including high end finishes throughout. The first two floors will be finished leaving the golf level floor unfinished. Buyers can elect to customize finishing this level if they so choose. An elevator is standard with each townhome and will service all 3 levels. Each level is oriented to enjoy the views with both covered and uncovered porches and a walk out covered patio. With this limited number to choose from call today to discuss reserving your desired location! In addition to living in the Council Fire Clubhouse Townhomes... there are golf memberships available or if you are not a golfer we have social memberships which allow you to participate in all social activities, enjoy the dining and clubhouse functions along with the pool and tennis facilities. Membership information can be found in the documents section of this listing or contact Linda Gaddis via email: Linda@35southhomes.com... Construction has begun, so don't wait, Only 10 available.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

7/10
8/10
Heritage Middle SchoolGrades 6-81.9 mi
7/10
Heritage High SchoolGrades 9-121.9 mi

Construction

Condition

  • Property condition: To Be Built,Under Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Block
  • Roof: Asphalt,Shingle
  • Construction materials: Brick,Stone

Other

  • Builder name: Barry Payne Homes

Type & Style

  • Home type: Townhouse
  • Architectural style: Other
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Convection Oven,Disposal,Dishwasher,Exhaust Fan,Electric Oven,Free-Standing Gas Range,Gas Range,Microwave,Refrigerator,Range Hood,Self Cleaning Oven,Stainless Steel Appliance(s),Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Upper Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bathroom

  • Level: First

Bathroom

  • Level: First

Bedroom

  • Level: Second
  • Area: 25110
  • Dimensions: 155 x 162

Bedroom

  • Level: First
  • Area: 24178
  • Dimensions: 157 x 154

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Features

  • Ceiling Fan(s),Chandelier,Crown Molding,Double Vanity,Entrance Foyer,Elevator,High Speed Internet,Kitchen Island,Open Floorplan,Pantry,Soaking Tub,Storage,Stone Counters,Walk-In Closet(s),Separate Shower,Tub/shower Combo,En Suite,Stubbed
  • Window features: Double Pane Windows,Insulated Windows
  • Flooring: Ceramic Tile,Engineered Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 2,656

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 2,656
  • Total interior livable area: 2,656 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second
  • Area: 196
  • Dimensions: 14 x 14

Property

Details

  • Parcel number: Part Of 0019d00500a
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: Community
  • Patio & porch: Covered,Deck,Patio,See Remarks,Porch - Covered
  • Exterior features: None
  • Spa features: None
  • Has view: Yes
  • View description: Creek/Stream,Golf Course,Pond
  • Has water view: Yes
  • Water view: Creek/Stream,Pond

Lot

  • Lot size: 2,156 sqft
  • Features: Close to Clubhouse,Gentle Sloping,On Golf Course
  • Lot size dimensions: 33.24 x 64.86

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Paved,Garage Faces Rear,Kitchen Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,320$75,840
Home Insurance *$175$2,100
Property Taxes $645$7,740
Electricity $258$3,096
Total$7,398$88,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$253,645/yr
40% on housing$221,940/yr
45% on housing$197,280/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$471This listing

vs Other Active Listings

Avg $/sqft

ZIP 30736$162
Catoosa County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 30736
Catoosa County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-12Listed for sale$1,250,000
2026-02-11Listing removed$1,250,000
2025-02-11Listed for sale$1,250,000

New Construction

AgentLinda W Gaddis
Brokerage35 South Real Estate & Design, LLC

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