178 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 178 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,094 sqft · built 2001
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,500 (Oct 2017)
Tax Bill	$2,174 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0049E051000`

Property Details

APN / Parcel Number

Primary APN	`0049E051000`
Alternative APNs	`0049E051` `22248`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,094 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	624 sqft
Porch	Patio
Porch Area	334 sqft
Deck Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22248
Street Address	178 CARDINAL RD
City	RINGGOLD
State	GA
Zip	30736-4177
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 51 THE MEADOWS
Legal Subdivision	THE MEADOWS
Legal Lot Number	51
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4000
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	178 CARDINAL RD, RINGGOLD, GA 30736-4177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BANK
Nov 2, 2017	Warranty Deed, Transfer · Conventional with PMI PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2017 · Amount on Record
Deed Sale	Oct 27, 2017 · Amount on Record
Prior Sale	Apr 25, 2006 · Amount on Record
Deed Document Number	20172444
Deed Book / Page	1907 / 97
Prior Transfer Date	Dec 16, 2010
Prior Transfer Doc	0015580135
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	178 CARDINAL RD, RINGGOLD, GA 30736-4177
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 CARDINAL RD, RINGGOLD, GA 30736-4177

Mortgage

Document Number	0022890000000509
Date	Aug 10, 2023
Book Page	0000002289/0000000509
Instrument	D2023005150

Lender

Name	BANK OF SPRINGFIELD

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	178 CARDINAL RD, RINGGOLD, GA 30736-4177
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018730413
Date	Apr 11, 2017
Book Page	1873/413
Instrument	002473

Lender

Name	CAPITAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 1, 2042

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Nov 2, 2017
Property Address	178 CARDINAL RD, RINGGOLD, GA 30736-4177
Document Number	0019070097
Book / Page	001907 / 000097
Instrument Date	Oct 27, 2017
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	TITLE GUARANTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.00
Additional	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	178 CARDINAL RD RINGGOLD GA 307364177, RINGGOLD, GA 30736-4177

Mortgage

Document Number	19070099
Date	Nov 2, 2017
Book Page	001907/000099

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 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	$2,174.00 (-13.35%) Homeowner's exemption Senior Citizen's exemption	$152,045 (+35.64%) Land $15,000 Building $137,045	$380,112 (+35.64%) Land $37,500 Building $342,612
2023	$2,509.00 (+21.27%)	$112,092 Land $15,000 Building $97,092	$280,230 Land $37,500 Building $242,730
2022	$2,069.00

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	3 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 52% of the US · above 71% of Georgia
Wildfire Likelihood	0.1% 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 230 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	100 / 20

May also be available: T-Mobile.

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