20 Cleo Cir, Ringgold, GA 30736 Property Records

Catoosa County property record for 20 Cleo Cir, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,659 sqft · built 1997
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$319,000 (Mar 2023)
Tax Bill	$2,610 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2023 Sale & Mortgage + 1 more
APN	`0034D035000`

Property Details

APN / Parcel Number

Primary APN	`0034D035000`
Alternative APNs	`0034D035` `16841`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,659 sqft Heated Area
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Architectural Style	Other
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	145 ft deep x 116 ft wide
Porch	Open Porch
Porch Area	318 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16841
Old Parcel Number	0034D035000
Street Address	20 CLEO CIR
City	RINGGOLD
State	GA
Zip	30736-4159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART LOT 35 HURRICANE HEIGHTS
Legal Subdivision	HURRICANE HEIGHTS
Legal Lot Number	35
Jurisdiction	CATOOSA GA
Township / Civil Division	BOYNTON RIDGE
Census Block Group	3
Census Block	3003
Census Tract	30402

Owner

20 Cleo Cir is owned and occupied by an individual who bought it in March 2023.

Source: Catoosa County records, as of January 30, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	20 CLEO CIR, RINGGOLD, GA 30736-4159
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
Aug 25, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2023 · Amount on File
Deed Sale	Mar 17, 2023 · Amount on File
Prior Sale	Jul 14, 2005 · Amount on File
Deed Document Number	0002268463
Deed Book / Page	2268 / 463
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	20 CLEO CIR, RINGGOLD, GA 30736-4159
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CLEO CIR, RINGGOLD, GA 30736-4159
Investor	Possibly a Property Investor

Mortgage

Document Number	0021630000000373
Date	Aug 25, 2021
Book Page	0000002163/0000000373
Instrument	008355

Lender

Name	QUICKEN LOANS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Mar 17, 2023
Property Address	20 CLEO CIR, RINGGOLD, GA 30736-4159
Document Number	0022680463
Book / Page	2268 / 463
Instrument Date	Mar 17, 2023
Instrument	2023-000527
Transaction Type	Transfer
Record Updated	Apr 24, 2023

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	20 CLEO CIR, RINGGOLD, GA 30736-4159

Mortgage

Document Number	0000001839
Date	Mar 17, 2023
Instrument	001839

Lender

Name	CMG MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Mar 17, 2023
Property Address	20 CLEO CIR, RINGGOLD, GA 30736-4159
Document Number	0022680463
Book / Page	2268 / 463
Instrument Date	Mar 17, 2023
Instrument	2023-000527
Transaction Type	Transfer
Record Updated	Jun 9, 2026

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	20 CLEO CIR, RINGGOLD, GA 30736-4159

Mortgage

Document Number	0000001839
Date	Mar 17, 2023
Instrument	001839

Lender

Name	CMG MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2053

Interest

Rate	5.75%

Tax Assessment & Valuation

The 2025 property tax bill for 20 Cleo Cir was $2,610.

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	$2,610.00	$137,478 Land $9,000 Building $128,478	$343,695 Land $22,500 Building $321,195
2023	$1,966.00 (+26.11%)	$87,852 Land $7,500 Building $80,352	$219,630 Land $18,750 Building $200,880
2022	$1,559.00

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 has no flood map on file for 20 Cleo Cir; there have been 9 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	9 (1995–2025)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2009 · 2 claims

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 20 Cleo Cir is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.05% 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
Also Mapped Here	TENNESSEE AMERICAN WATER
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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Spectrum.

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