296 Townsend Cir, Ringgold, GA 30736 Property Records

Catoosa County property record for 296 Townsend Cir, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,299 sqft · built 1977
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Dec 2017)
Tax Bill	$1,942 (2022)
Deeds & Mortgages	Aug 2025 Second Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0022G009000`

Property Details

APN / Parcel Number

Primary APN	`0022G009000`
Alternative APNs	`0022G009` `13031`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,299 sqft Heated Area
1st Floor Area	1,266 sqft
2nd Floor Area	780 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1980
Architectural Style	Other
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	506 sqft
Porch	Open Porch
Porch Area	294 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13031
Old Parcel Number	0022G009000
Street Address	296 TOWNSEND CIR
City	RINGGOLD
State	GA
Zip	30736-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 6 TOWNSEND PLACE
Legal Subdivision	TOWNSEND PLACE
Legal Lot Number	6
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	3
Census Block	3010
Census Tract	30201

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	Individual Name on Record
Mailing Address	296 TOWNSEND CIR, RINGGOLD, GA 30736-5022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES
Feb 19, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Dec 18, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on Record
Deed Sale	Dec 15, 2017 · Amount on Record
Deed Document Number	0001912782
Deed Book / Page	1912 / 782
Last Transfer Date	Dec 18, 2017
Transfer Doc	0019120782
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	296 TOWNSEND CIR, RINGGOLD, GA 30736-5022
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 TOWNSEND CIR, RINGGOLD, GA 30736-5022

Mortgage

Document Number	0023990000000839
Date	Aug 7, 2025
Book Page	0000002399/0000000839
Instrument	2025005370

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2045

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	296 TOWNSEND CIR, RINGGOLD, GA 30736-5022
Document Number	0021170054
Instrument Date	Feb 19, 2021
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	296 TOWNSEND CIR RINGGOLD GA 307365022, RINGGOLD, GA 30736-5022

Mortgage

Document Number	0021170054
Date	Feb 26, 2021
Book Page	002117/000054

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Dec 18, 2017
Property Address	296 TOWNSEND CIR, RINGGOLD, GA 30736-5022
Document Number	0019120782
Book / Page	001912 / 000782
Instrument Date	Dec 15, 2017
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$197.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	296 TOWNSEND CIR RINGGOLD GA 307365022, RINGGOLD, GA 30736-5022

Mortgage

Document Number	19120784
Date	Dec 18, 2017
Book Page	001912/000784

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2047

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$122,930 (+14.23%) Land $11,000 Building $111,930	$307,325 (+14.23%) Land $27,500 Building $279,825
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$107,618 Land $11,000 Building $96,618	$269,046 Land $27,500 Building $241,546
2022	$1,942.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 63% of the US · lower than 84% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 169 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Townsend Cir

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