285 Lovella Dr, Ringgold, GA 30736 Property Records

Catoosa County property record for 285 Lovella Dr, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,688 sqft · built 1991
Lot Size	1.62 acres (70,567 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Jul 2021)
Tax Bill	$3,490 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0019A091000`

Property Details

APN / Parcel Number

Primary APN	`0019A091000`
Alternative APNs	`0019A091` `10309`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,688 sqft Heated Area
1st Floor Area	1,344 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	70,567 sqft (1.62 acres)
Lot Dimensions	300 ft deep x 200 ft wide

Exterior Amenities

Porch	Slab
Porch Area	65 sqft
Deck Area	420 sqft
Patio Area	65 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10309
Street Address	285 LOVELLA DR
City	RINGGOLD
State	GA
Zip	30736-6503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 12 MORRIS ADDN/HARRIS HILLS
Legal Subdivision	MORRIS ADDN HARRIS
Legal Lot Number	12
Jurisdiction	CATOOSA GA
Township / Civil Division	BOYNTON RIDGE
Census Block Group	2
Census Block	2001
Census Tract	30402

Owner

Source: Catoosa County records, as of June 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	285 LOVELLA DR, RINGGOLD, GA 30736-6503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit TENNESSEE VALLEY FEDERAL CREDIT UNION
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS
Feb 7, 2020	Warranty Deed, Construction Loan · Construction Mortgage BEST LAND INVS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Feb 3, 2020 · Amount on Record
Deed Document Number	20211663
Deed Book / Page	2153 / 530
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Recording Date	Apr 21, 2026
Property Address	285 LOVELLA DR, RINGGOLD, GA 30736-6503
Document Number	0024430000000140
Book / Page	2443 / 140
Instrument Date	Apr 21, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 LOVELLA DR, RINGGOLD, GA 30736-6503

Mortgage

Document Number	2443000140,
Date	Apr 21, 2026
Book Page	2443/140

Lender

Name	TENNESSEE VALLEY FEDERAL CREDIT UNION

Agreement

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

Interest

Rate	6.38%
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Jul 16, 2021
Property Address	285 LOVELLA DR, RINGGOLD, GA 30736-6503
Document Number	0021530530
Book / Page	2153 / 530
Instrument Date	Jul 16, 2021
Instrument	2021-001663
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
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	285 LOVELLA DR, RINGGOLD, GA 30736-6503

Mortgage

Document Number	0021530000000533
Date	Jul 19, 2021
Book Page	0000002153/0000000533
Instrument	006973

Lender

Name	BROKER SOLUTIONS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Feb 7, 2020
Property Address	285 LOVELLA DR, RINGGOLD, GA 30736-6503
Document Number	0020330386
Book / Page	002033 / 000386
Instrument Date	Feb 3, 2020
Instrument	971
Transaction Type	Construction Loan
Record Updated	Mar 9, 2020
Title Company	NW GA LAND TITLE COMPANY, NW GA LAND TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 LOVELLA DR RINGGOLD GA 307366503, RINGGOLD, GA 30736-6503

Mortgage

Document Number	20330388
Date	Feb 7, 2020
Book Page	002033/000388
Instrument	972

Lender

Name	BEST LAND INVS LLC
Address	ROSSVILLE, GA 30741

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 6, 2021

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	$3,490.00 (+13.31%) Homeowner's exemption	$185,856 (+33.15%) Land $14,000 Building $171,856	$464,640 (+33.15%) Land $35,000 Building $429,640
2023	$3,080.00 (+31.18%) Homeowner's exemption	$139,580 Land $14,865 Building $124,715	$348,950 Land $37,162 Building $311,788
2022	$2,348.00

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	3 in force
Nearby Flood Claims	23 (1990–2009)
Claims Outside the SFHA	15 of 23
Most Recent Claim	Sep 2009 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2009 · 15 claims Hurricane Opal, Oct 1995 · 3 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	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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	TENNESSEE AMERICAN WATER private · serves 207,046 people · EPA ID TN0000107
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum, T-Mobile, Verizon.

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