346 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 346 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,540 sqft · built 2003
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jan 2004)
Tax Bill	$825 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0049H107000`

Property Details

APN / Parcel Number

Primary APN	`0049H107000`
Alternative APNs	`0049H107` `22403`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,540 sqft Heated Area
1st Floor Area	973 sqft
2nd Floor Area	973 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
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	896 sqft
Porch	Open Porch
Porch Area	599 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22403
Old Parcel Number	0049H107000
Street Address	346 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 107 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	107
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4000
Census Tract	30202

Owner

Source: Catoosa County assessment roll, as of July 1, 2025

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 File
Mailing Address	346 CARDINAL RD, RINGGOLD, GA 30736-4925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2017	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES
Feb 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Jan 3, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Feb 9, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 15, 2004 · Amount on Record
Deed Sale	Jan 15, 2004 · Amount on Record
Deed Document Number	0001062218
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	346 CARDINAL RD, RINGGOLD, GA 30736-4925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018910008
Date	Aug 1, 2017
Book Page	1891/8
Instrument	005390

Lender

Name	CARRINGTON MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	346 CARDINAL RD, RINGGOLD, GA 30736-4925
Document Number	0021140288
Instrument Date	Feb 5, 2021
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	346 CARDINAL RD RINGGOLD GA 307364925, RINGGOLD, GA 30736-4925

Mortgage

Document Number	0021140288
Date	Feb 17, 2021
Book Page	002114/000288

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	346 CARDINAL RD, RINGGOLD, GA 30736-4925
Document Number	0020290421
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	346 CARDINAL RD RINGGOLD GA 307364925, RINGGOLD, GA 30736-4925

Mortgage

Document Number	0020290421
Date	Jan 13, 2020
Book Page	002029/000421

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	346 CARDINAL RD, RINGGOLD, GA 30736-4925
Document Number	0019210002
Instrument Date	Feb 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 2, 2018
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	346 CARDINAL RD RINGGOLD GA 307364925, RINGGOLD, GA 30736-4925

Mortgage

Document Number	0019210002
Date	Feb 20, 2018
Book Page	001921/000002

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

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	$825.00 (-21.28%) Homeowner's exemption Senior Citizen's exemption	$203,790 (+40.78%) Land $15,000 Building $188,790	$509,474 (+40.78%) Land $37,500 Building $471,974
2023	$1,048.00 (-58.35%) Homeowner's exemption Senior Citizen's exemption	$144,758 Land $15,000 Building $129,758	$361,894 Land $37,500 Building $324,394
2022	$2,516.00

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

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 USA.

Nearby Properties on Cardinal Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures