220 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 220 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,502 sqft · built 1999
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Aug 1999)
Tax Bill	$713 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0049E049000`

Property Details

APN / Parcel Number

Primary APN	`0049E049000`
Alternative APNs	`0049E049` `22246`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,502 sqft Heated Area
1st Floor Area	1,047 sqft
2nd Floor Area	1,047 sqft
Utility Area	66 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	150 ft deep x 95 ft wide
Porch	Open Porch
Porch Area	142 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22246
Old Parcel Number	0049E049000
Street Address	220 CARDINAL RD
City	RINGGOLD
State	GA
Zip	30736-4178
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 49 THE MEADOWS
Legal Subdivision	THE MEADOWS
Legal Phase	1
Legal Lot Number	49
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4000
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	2 Individual Names on Record
Mailing Address	220 CARDINAL RD, RINGGOLD, GA 30736-4178
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Feb 18, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 1999 · Amount on Record
Deed Sale	Aug 16, 1999 · Amount on Record
Deed Document Number	0000711496
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	220 CARDINAL RD, RINGGOLD, GA 30736-4178
Transaction Type	Mortgage
Record Updated	Mar 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 CARDINAL RD, RINGGOLD, GA 30736-4178

Mortgage

Document Number	0022010000000021
Date	Feb 3, 2022
Book Page	0000002201/0000000021
Instrument	001036

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Jan 1, 2045

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	220 CARDINAL RD, RINGGOLD, GA 30736-4178
Document Number	0021160779
Instrument Date	Feb 18, 2021
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 CARDINAL RD RINGGOLD GA 307364178, RINGGOLD, GA 30736-4178

Mortgage

Document Number	0021160779
Date	Feb 26, 2021
Book Page	002116/000779

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 25, 2046

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	$713.00 (-17.38%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$157,906 (+29.92%) Land $15,000 Building $142,906	$394,766 (+29.92%) Land $37,500 Building $357,266
2023	$863.00 (-60.16%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$121,543 Land $15,000 Building $106,543	$303,857 Land $37,500 Building $266,357
2022	$2,166.00

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

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 48% of the US · above 58% of Georgia
Wildfire Likelihood	0.1% 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
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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