232 Cleo Cir, Ringgold, GA 30736 Property Records

Catoosa County property record for 232 Cleo Cir, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,868 sqft · built 2005
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$331,000 (Feb 2025)
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0034D022000`

Property Details

APN / Parcel Number

Primary APN	`0034D022000`
Alternative APNs	`0034D022` `16830`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,868 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)
Lot Dimensions	171 ft deep x 100 ft wide
Garage Area	420 sqft

Exterior Amenities

Deck Area	72 sqft
Patio Area	124 sqft
Shed	1 Shed
Shed Area	56 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16830
Street Address	232 CLEO CIR
City	RINGGOLD
State	GA
Zip	30736-4161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOTS 21 22 HURRICANE HEIGHTS
Legal Subdivision	HURRICANE HEIGHTS
Legal Lot Number	21-22
Jurisdiction	CATOOSA GA
Township / Civil Division	BOYNTON RIDGE
Census Block Group	3
Census Block	3003
Census Tract	30402

Owner

Source: Catoosa County records, as of August 17, 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	232 CLEO CIR, RINGGOLD, GA 30736-4161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit LOWER
Jul 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOWER
Feb 23, 2022	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE
Feb 23, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2025 · Amount on Record
Deed Sale	Feb 13, 2025 · Amount on Record
Prior Sale	Oct 4, 2024 · Amount on Record
Deed Book / Page	2369 / 427
Prior Transfer Date	Jul 7, 2013
Prior Transfer Doc	0016840242
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Recording Date	Jul 13, 2026
Property Address	232 CLEO CIR, RINGGOLD, GA 30736-4161
Document Number	0000000479
Book / Page	2458 / 360
Instrument Date	Jul 6, 2026
Instrument	2026479
Transaction Type	Mortgage
Record Updated	Aug 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 CLEO CIR, RINGGOLD, GA 30736-4161

Mortgage

Document Number	0000000479,
Date	Jul 13, 2026
Book Page	2458/360
Instrument	2026479

Lender

Name	LOWER

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.48%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Recording Date	Jul 13, 2026
Property Address	232 CLEO CIR, RINGGOLD, GA 30736-4161
Document Number	0000000477
Book / Page	2458 / 253
Instrument Date	Jul 6, 2026
Instrument	2026477
Transaction Type	Mortgage
Record Updated	Aug 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 CLEO CIR, RINGGOLD, GA 30736-4161

Mortgage

Document Number	0000000477,
Date	Jul 13, 2026
Book Page	2458/253
Instrument	2026477

Lender

Name	LOWER

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	232 CLEO CIR, RINGGOLD, GA 30736-4161
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 CLEO CIR, RINGGOLD, GA 30736-4161

Mortgage

Document Number	0022050000000004
Date	Feb 23, 2022
Book Page	0000002205/0000000004
Instrument	001630

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Feb 23, 2022
Property Address	232 CLEO CIR, RINGGOLD, GA 30736-4161
Document Number	0022050001
Book / Page	2205 / 1
Instrument Date	Feb 23, 2022
Instrument	2022-000393
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount Recorded
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	232 CLEO CIR, RINGGOLD, GA 30736-4161

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	$3,038.00 (+10.47%)	$160,007 (+30.24%) Land $18,000 Building $142,007	$400,017 (+30.24%) Land $45,000 Building $355,017
2023	$2,750.00 (+34.15%)	$122,859 Land $13,000 Building $109,859	$307,147 Land $32,500 Building $274,647
2022	$2,050.00

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	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

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

Wildfire Risk	Moderate above 50% of the US · above 63% 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
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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ringgold Telephone Company Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: EPB, Spectrum, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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