Catoosa County property record for 20 Watson Cir, Ringgold, GA 30736
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,320 sqft · built 1968 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,000 (Nov 2019) |
| Tax Bill | $1,018 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0020035000 |
| Primary APN | R0020035000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,320 sqft Heated Area |
| 1st Floor Area | 1,032 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 31,799 sqft (0.73 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
| Porch Area | 28 sqft |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 26887 |
|---|---|
| Street Address | 20 WATSON CIR |
| City | RINGGOLD |
| State | GA |
| Zip | 30736-2531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RIN |
| Legal Description | PT LOTS 20 22 23 LOTS 21 ORCHARD KNOB |
| Legal Subdivision | ORCHARD KNOB |
| Legal Lot Number | 20,21 |
| Jurisdiction | CATOOSA GA |
| Township / Civil Division | RINGGOLD |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 30201 |
Source: Catoosa County records, as of September 28, 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 | 20 WATSON CIR, RINGGOLD, GA 30736-2531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage POINT DIGITAL FINANCIAL INC |
| Sep 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT COM |
| Nov 22, 2019 | Warranty Deed, Transfer · Conventional Mortgage PINNACLE BK |
| Jul 18, 2019 | Warranty Deed, Construction Loan · Construction Mortgage FIRST CITIZENS NAT'L BK |
| May 17, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2019 · Amount on Record |
| Deed Sale | Nov 15, 2019 · Amount on Record |
| Prior Sale | Jul 10, 2019 · Amount on Record |
| Deed Document Number | 20192568 |
| Deed Book / Page | 2021 / 165 |
| Prior Transfer Date | Mar 5, 2019 |
| Prior Transfer Doc | 0019880237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Aug 28, 2026 |
| Property Address | 20 WATSON CIR, RINGGOLD, GA 30736-2531 |
| Document Number | 2467000398 |
| Book / Page | 2467 / 398 |
| Instrument Date | Aug 21, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 WATSON CIR, RINGGOLD, GA 30736-2531 |
| Document Number | 2467000398, |
|---|---|
| Date | Aug 28, 2026 |
| Book Page | 2467/398 |
| Name | POINT DIGITAL FINANCIAL INC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 20 WATSON CIR, RINGGOLD, GA 30736-2531 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 20 WATSON CIR, RINGGOLD, GA 30736-2531 |
| Document Number | 0021660000000781 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 0000002166/0000000781 |
| Instrument | 008844 |
| Name | LOAN DEPOT COM |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Nov 22, 2019 |
| Property Address | 20 WATSON CIR, RINGGOLD, GA 30736-2531 |
| Document Number | 0020210165 |
| Book / Page | 002021 / 000165 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 8118 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2019 |
| Title Company | CHOICE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 WATSON CIR RINGGOLD GA 307362531, RINGGOLD, GA 30736-2531 |
| Document Number | 20210167 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 002021/000167 |
| Instrument | 8119 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Jul 18, 2019 |
| Property Address | 20 WATSON CIR, RINGGOLD, GA 30736-2531 |
| Document Number | 0019980249 |
| Book / Page | 001998 / 000249 |
| Instrument Date | Jul 10, 2019 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 6, 2019 |
| Title Company | CHOICE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $74.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 WATSON CIR RINGGOLD GA 307362531, RINGGOLD, GA 30736-2531 |
| Document Number | 19980252 |
|---|---|
| Date | Jul 18, 2019 |
| Book Page | 001998/000252 |
| Name | FIRST CITIZENS NAT'L BK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38025-0370 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 17, 2020 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | May 17, 2019 |
| Property Address | 20 WATSON CIR, RINGGOLD, GA 30736-2531 |
| Document Number | 0019880237 |
| Book / Page | 001988 / 000237 |
| Instrument Date | Mar 5, 2019 |
| Instrument | 3083 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $50.28 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 WATSON CIR RINGGOLD GA 307362531, RINGGOLD, GA 30736-2531 |
Source: Catoosa County assessment roll, as of February 2, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Catoosa County |
| Municipality | Ringgold City |
| Unified School District | Catoosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,018.00 (+25.06%) Homeowner's exemption Senior Citizen's exemption | $82,312 (+45.08%) Land $14,000 Building $68,312 | $205,781 (+45.08%) Land $35,000 Building $170,781 |
| 2023 | $814.00 (-28.85%) Homeowner's exemption Senior Citizen's exemption | $56,736 Land $10,000 Building $46,736 | $141,841 Land $25,000 Building $116,841 |
| 2022 | $1,144.00 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 16 (1990–2020) |
| Claims Outside the SFHA | 12 of 16 |
| Most Recent Claim | Apr 2020 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Georgia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ringgold Telephone Company Fiber | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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