328 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 328 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,273 sqft · built 2002
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Tax Bill	$2,878 (2025)
Deeds & Mortgages	May 2022 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0049H106000`

Property Details

APN / Parcel Number

Primary APN	`0049H106000`
Alternative APNs	`0049H106` `22402`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,273 sqft Heated Area
1st Floor Area	1,985 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Other
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	158 ft deep x 100 ft wide
Garage Area	576 sqft
Porch	Open Porch
Porch Area	330 sqft
Deck Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22402
Old Parcel Number	0049H106000
Street Address	328 CARDINAL RD
City	RINGGOLD
State	GA
Zip	30736-4925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 106 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	106
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	328 CARDINAL RD, RINGGOLD, GA 30736-4925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Dec 20, 2020	Loan Modification, Mortgage · Conventional Mortgage TRUIST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2007
Deed Sale	Jun 5, 2007
Deed Document Number	0001376291
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	328 CARDINAL RD, RINGGOLD, GA 30736-4925
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 CARDINAL RD, RINGGOLD, GA 30736-4925

Mortgage

Document Number	0022210000000579
Date	May 18, 2022
Book Page	0000002221/0000000579
Instrument	004233

Lender

Name	TRUIST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2047

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	328 CARDINAL RD, RINGGOLD, GA 30736-4925
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 CARDINAL RD, RINGGOLD, GA 30736-4925

Mortgage

Document Number	0022040000000453
Date	Feb 21, 2022
Book Page	0000002204/0000000453
Instrument	001545

Lender

Name	TRUIST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CATOOSA GA
Property Address	328 CARDINAL RD, RINGGOLD, GA 30736-4925
Document Number	0021050546
Instrument Date	Dec 20, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 CARDINAL RD RINGGOLD GA 307364925, RINGGOLD, GA 30736-4925

Mortgage

Document Number	0021050546
Date	Jan 8, 2021
Book Page	002105/000546

Lender

Name	TRUIST BK
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

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	$2,878.00 (+10.48%) Homeowner's exemption	$159,647 (+34.84%) Land $15,000 Building $144,647	$399,118 (+34.84%) Land $37,500 Building $361,618
2023	$2,605.00 (+20.71%) Homeowner's exemption	$118,400 Land $15,000 Building $103,400	$296,000 Land $37,500 Building $258,500
2022	$2,158.00

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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