163 Cummings Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 163 Cummings Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,538 sqft · built 1995
Lot Size	0.423 acres (18,466 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,265 (2025)
Deeds & Mortgages	Jul 2026 Transfer Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0039N014000`

Property Details

APN / Parcel Number

Primary APN	`0039N014000`
Alternative APNs	`0039N014` `20125`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,538 sqft Heated Area
1st Floor Area	1,538 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	18,466 sqft (0.423 acres)
Garage Area	520 sqft
Porch	Slab
Porch Area	128 sqft
Deck Area	218 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20125
Street Address	163 CUMMINGS RD
City	RINGGOLD
State	GA
Zip	30736-3059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 14 PRESTONS LANDING
Legal Subdivision	PRESTONS LANDING
Legal Lot Number	14
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	1
Census Block	1011
Census Tract	30306

Owner

163 Cummings Rd is owned and occupied by two individuals who acquired it in July 2026.

Source: Catoosa County records, as of August 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Quit Claim Deed, Transfer Quitclaim
Feb 14, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING
Feb 2, 2024	Warranty Deed, Transfer · Conventional Mortgage PRIMIS MORTGAGE
Jul 26, 2021	Deed of Trust, Mortgage · FHA Mortgage BANK OF ENGLAND
Dec 2, 2019	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026
Deed Sale	Jul 15, 2026
Prior Sale	Feb 2, 2024 · Amount on File
Deed Document Number	20264889
Deed Book / Page	2459 / 175
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CATOOSA GA
Recording Date	Jul 15, 2026
Property Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059
Document Number	0000004889
Book / Page	2459 / 175
Instrument Date	Jul 15, 2026
Instrument	20264889
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059

Mortgage

Document Number	0022630000000134
Date	Feb 14, 2023
Book Page	0000002263/0000000134
Instrument	000898

Lender

Name	FIGURE LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2033

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Feb 2, 2024
Property Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059
Document Number	0023120778
Book / Page	2312 / 778
Instrument Date	Jan 31, 2024
Instrument	D2024000555
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059

Mortgage

Document Number	0023120000000780
Date	Feb 2, 2024
Book Page	0000002312/0000000780

Lender

Name	PRIMIS MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059

Mortgage

Document Number	0021550000000155
Date	Jul 26, 2021
Book Page	0000002155/0000000155
Instrument	007214

Lender

Name	BANK OF ENGLAND

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Dec 2, 2019
Property Address	163 CUMMINGS RD, RINGGOLD, GA 30736-3059
Document Number	0020220446
Book / Page	002022 / 000446
Instrument Date	Nov 22, 2019
Instrument	8298
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	CHOICE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 CUMMINGS RD RINGGOLD GA 307363059, RINGGOLD, GA 30736-3059

Mortgage

Document Number	20220448
Date	Dec 2, 2019
Book Page	002022/000448
Instrument	8299

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 163 Cummings Rd was $2,265.

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	$2,265.00	$119,298 Land $12,000 Building $107,298	$298,246 Land $30,000 Building $268,246
2023	$1,939.00 (+24.69%) Homeowner's exemption Senior Citizen's exemption	$89,964 Land $12,000 Building $77,964	$224,910 Land $30,000 Building $194,910
2022	$1,555.00

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 163 Cummings Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 163 Cummings Rd is moderate, ranking above 47% of the US, with a 0.08% annual chance of 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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