146 Cummings Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 146 Cummings Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,500 sqft · built 1995
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jul 2024)
Tax Bill	$2,123 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0039N019000`

Property Details

APN / Parcel Number

Primary APN	`0039N019000`
Alternative APNs	`0039N019` `20130`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Heated Area
1st Floor Area	1,500 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Area	576 sqft
Porch	Slab
Porch Area	96 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20130
Street Address	146 CUMMINGS RD
City	RINGGOLD
State	GA
Zip	30736-3058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 19 PRESTONS LANDING
Legal Subdivision	PRESTONS LANDING
Legal Lot Number	19
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	1
Census Block	1011
Census Tract	30306

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	Individual Name on Record
Mailing Address	146 CUMMINGS RD, RINGGOLD, GA 30736-3058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Sep 27, 2017	Warranty Deed, Transfer PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2024 · Amount on Record
Deed Sale	Jul 23, 2024 · Amount on Record
Prior Sale	Sep 22, 2017 · Amount on Record
Deed Book / Page	2338 / 678
Prior Transfer Date	Jul 19, 2024
Prior Transfer Doc	0023380000000680
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	146 CUMMINGS RD, RINGGOLD, GA 30736-3058
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 CUMMINGS RD, RINGGOLD, GA 30736-3058

Mortgage

Document Number	0022590000000597
Date	Jan 20, 2023
Book Page	0000002259/0000000597
Instrument	000343

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Sep 27, 2017
Property Address	146 CUMMINGS RD, RINGGOLD, GA 30736-3058
Document Number	0019000613
Book / Page	001900 / 000613
Instrument Date	Sep 22, 2017
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	CHOICE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 CUMMINGS RD RINGGOLD GA 307363058, RINGGOLD, GA 30736-3058

Mortgage

Document Number	19000615
Date	Sep 27, 2017
Book Page	001900/000615

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 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	$2,123.00 (+12.27%)	$111,858 (+32.4%) Land $12,000 Building $99,858	$279,645 (+32.41%) Land $30,000 Building $249,645
2023	$1,891.00 (+30.23%)	$84,482 Land $12,000 Building $72,482	$211,204 Land $30,000 Building $181,204
2022	$1,452.00

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 · 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

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 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.08% 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 168 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

May also be available: Ringgold Telephone Company.

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