190 Laurel Cir, Ringgold, GA 30736 Property Records

Catoosa County property record for 190 Laurel Cir, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,400 sqft · built 1974
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Feb 2019)
Tax Bill	$3,102 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0037D068000`

Property Details

APN / Parcel Number

Primary APN	`0037D068000`
Alternative APNs	`0037D068` `18153`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,400 sqft Heated Area
1st Floor Area	1,000 sqft
2nd Floor Area	1,000 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	168 ft deep x 130 ft wide
Garage Area	667 sqft

Exterior Amenities

Pool Area	504 sqft
Porch	Open Porch
Porch Area	160 sqft
Utility Building	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18153
Old Parcel Number	0037D068000
Street Address	190 LAUREL CIR
City	RINGGOLD
State	GA
Zip	30736-7136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 28 CLARK ESTATES
Legal Subdivision	CLARK ESTATES
Legal Lot Number	28
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	1
Census Block	1012
Census Tract	30202

Owner

Source: Catoosa County records, as of January 30, 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	190 LAUREL CIR, RINGGOLD, GA 30736-7136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Deed of Trust, Mortgage · Conventional with PMI SUMMIT FNDG
Feb 18, 2019	Warranty Deed, Transfer · FHA Mortgage SUMMIT FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2019 · Amount on Record
Deed Sale	Feb 15, 2019 · Amount on Record
Prior Sale	May 26, 2006 · Amount on Record
Deed Document Number	0000197516
Deed Book / Page	1975 / 16
Last Transfer Date	Feb 18, 2019
Transfer Doc	0019750016
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	190 LAUREL CIR, RINGGOLD, GA 30736-7136
Document Number	0020450043
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 LAUREL CIR RINGGOLD GA 307367136, RINGGOLD, GA 30736-7136

Mortgage

Document Number	0020450043
Date	Apr 10, 2020
Book Page	002045/000043

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Feb 18, 2019
Property Address	190 LAUREL CIR, RINGGOLD, GA 30736-7136
Document Number	0019750016
Book / Page	001975 / 000016
Instrument Date	Feb 15, 2019
Instrument	949
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	BATTLEFIELD TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 LAUREL CIR RINGGOLD GA 307367136, RINGGOLD, GA 30736-7136

Mortgage

Document Number	19750019
Date	Feb 18, 2019
Book Page	001975/000019
Instrument	950

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2049

Tax Assessment & Valuation

Source: Catoosa County assessment roll, as of July 1, 2025

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	$3,102.00 (+19.31%)	$163,418 (+40.71%) Land $10,000 Building $153,418	$408,545 (+40.71%) Land $25,000 Building $383,545
2023	$2,600.00 (+30.98%)	$116,136 Land $9,434 Building $106,702	$290,339 Land $23,584 Building $266,755
2022	$1,985.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearby Flood Claims	4 (2013–2026)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2026 · rainfall accumulation

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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.07% 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Ringgold Telephone Company, Verizon.

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