281 Hickory St, Ringgold, GA 30736 Property Records

Catoosa County property record for 281 Hickory St, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,188 sqft · built 1977
Lot Size	0.319 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$139,900 (Jul 2019)
Tax Bill	$1,649 (2025)
Deeds & Mortgages	May 2025 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0037F144000`

Property Details

APN / Parcel Number

Primary APN	`0037F144000`
Alternative APNs	`0037F144` `18437`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,188 sqft Heated Area
1st Floor Area	1,188 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	135 ft deep x 102 ft wide
Porch	Open Porch
Porch Area	176 sqft
Deck Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18437
Old Parcel Number	0037F144000
Street Address	281 HICKORY ST
City	RINGGOLD
State	GA
Zip	30736-7122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 144 PLEMONS ESTATES
Legal Subdivision	PLEMONS ESTATES
Legal Lot Number	144
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	1
Census Block	1014
Census Tract	30202

Owner

281 Hickory St is owned and occupied by two individuals who acquired it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	281 HICKORY ST, RINGGOLD, GA 30736-7122
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
May 13, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FEDERAL CREDIT UNION
Jul 18, 2019	Grant Deed, Transfer SUMMIT FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on File
Deed Sale	Jul 15, 2019 · Amount on File
Deed Document Number	0001998153
Deed Book / Page	1998 / 153
Last Transfer Date	Jul 18, 2019
Transfer Doc	0019980153
Record Updated	Jun 8, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	281 HICKORY ST, RINGGOLD, GA 30736-7122
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 S TRYON ST, CHARLOTTE, NC 28202-3271

Mortgage

Document Number	0023850000000428
Date	May 13, 2025
Book Page	0000002385/0000000428
Instrument	D2025003216

Lender

Name	FIGURE LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	281 HICKORY ST, RINGGOLD, GA 30736-7122
Transaction Type	Mortgage
Record Updated	May 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 HICKORY ST, RINGGOLD, GA 30736-7122

Mortgage

Document Number	0022150000000512
Date	Apr 19, 2022
Book Page	0000002215/0000000512
Instrument	003325

Lender

Name	TENNESSEE VALLEY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.35%
Type Change Date	May 1, 2020

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Jul 18, 2019
Property Address	281 HICKORY ST, RINGGOLD, GA 30736-7122
Document Number	0019980153
Book / Page	001998 / 000153
Instrument Date	Jul 15, 2019
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	281 HICKORY ST RINGGOLD GA 307367122, RINGGOLD, GA 30736-7122

Mortgage

Document Number	19980156
Date	Jul 18, 2019
Book Page	001998/000156

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 281 Hickory St was $1,649 with a homeowner's exemption.

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	$1,649.00 Homeowner's exemption	$90,914 Land $12,000 Building $78,914	$227,285 Land $30,000 Building $197,285
2023	$1,520.00 (+19.59%) Homeowner's exemption	$69,936 Land $12,000 Building $57,936	$174,840 Land $30,000 Building $144,840
2022	$1,271.00

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 maps place 281 Hickory St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.

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

Wildfire risk around 281 Hickory St is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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	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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ringgold Telephone Company Fiber	1,000 / 1,000

May also be available: Verizon.

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