109 Judith St, Ringgold, GA 30736 Property Records

Catoosa County property record for 109 Judith St, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,980 sqft · built 1964
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (May 2022)
Tax Bill	$1,871 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0020D054000`

Property Details

APN / Parcel Number

Primary APN	`0020D054000`
Alternative APNs	`0020D054` `11456`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,980 sqft Heated Area
1st Floor Area	1,326 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	135 ft deep x 120 ft wide
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11456
Street Address	109 JUDITH ST
City	RINGGOLD
State	GA
Zip	30736-6723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART LOT 18 EAST GARDEN TERRACE
Legal Subdivision	EAST GARDEN TERRACE
Legal Lot Number	18
Jurisdiction	CATOOSA GA
Township / Civil Division	BOYNTON RIDGE
Census Block Group	4
Census Block	4023
Census Tract	30402

Owner

109 Judith St is owned and occupied by two individuals who bought it in May 2022.

Source: Catoosa County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 JUDITH ST, RINGGOLD, GA 30736-6723
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
May 27, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE
Oct 14, 2020	Warranty Deed, Transfer MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2022 · Amount on File
Deed Sale	May 31, 2022 · Amount on File
Prior Sale	Sep 30, 2020 · Amount on File
Deed Document Number	20221235
Deed Book / Page	2223 / 697
Transfer Doc	1498000262
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	May 27, 2022
Property Address	109 JUDITH ST, RINGGOLD, GA 30736-6723
Document Number	0022230697
Book / Page	2223 / 697
Instrument Date	May 27, 2022
Instrument	2022-001235
Transaction Type	Transfer
Record Updated	Jun 17, 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	1156 W STATE LINE RD, ROSSVILLE, GA 30741-3276

Mortgage

Document Number	0022230000000700
Date	May 31, 2022
Book Page	0000002223/0000000700
Instrument	004558

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

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

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Oct 14, 2020
Property Address	109 JUDITH ST, RINGGOLD, GA 30736-6723
Document Number	0020850455
Book / Page	002085 / 000455
Instrument Date	Sep 30, 2020
Instrument	8370
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 JUDITH ST RINGGOLD GA 307366723, RINGGOLD, GA 30736-6723

Mortgage

Document Number	20850457
Date	Oct 14, 2020
Book Page	002085/000457
Instrument	8371

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 109 Judith St was $1,871 with a homeowner's exemption.

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	$1,871.00 Homeowner's exemption	$105,248 Land $9,216 Building $96,032	$263,120 Land $23,040 Building $240,080
2023	$1,604.00 (+23.57%) Homeowner's exemption	$73,664 Land $9,216 Building $64,448	$184,160 Land $23,040 Building $161,120
2022	$1,298.00

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

FEMA maps place 109 Judith St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1995–2009)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2009 · Severe Storms And Flooding

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 109 Judith St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 88% of Georgia
Wildfire Likelihood	0.04% 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	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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Ringgold Telephone Company DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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