372 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 372 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,192 sqft · built 2003
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$381,318 (Nov 2025)
Tax Bill	$3,084 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0049H109000`

Property Details

APN / Parcel Number

Primary APN	`0049H109000`
Alternative APNs	`0049H109` `22405`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,192 sqft Heated Area
1st Floor Area	1,832 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	16,117 sqft (0.369 acres)
Lot Dimensions	160 ft deep x 100 ft wide
Garage Area	720 sqft
Porch	Open Porch
Porch Area	348 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22405
Old Parcel Number	0049H109000
Street Address	372 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 109 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	109
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4000
Census Tract	30202

Owner

372 Cardinal Rd is owned and occupied by an individual who bought it in November 2025.

Source: Catoosa County records, as of February 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	372 CARDINAL RD, RINGGOLD, GA 30736-4925
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
Nov 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage ALMEDA MORTGAGE
Mar 31, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
Nov 17, 2020	Grant Deed, Transfer · Conventional Mortgage MORTGAGE INVTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on File
Deed Sale	Nov 18, 2025 · Amount on File
Prior Sale	Jun 11, 2025
Deed Document Number	0002417830
Deed Book / Page	2417 / 830
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	372 CARDINAL RD, RINGGOLD, GA 30736-4925
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 MELTON AVE, SEBASTIAN, FL 32958-6714

Mortgage

Document Number	0024170000000834
Date	Nov 18, 2025
Book Page	0000002417/0000000834
Instrument	2025008066

Lender

Name	ALMEDA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Mar 31, 2023
Property Address	372 CARDINAL RD, RINGGOLD, GA 30736-4925
Document Number	0022690646
Book / Page	2269 / 646
Instrument Date	Mar 31, 2023
Instrument	2023-000614
Transaction Type	Transfer
Record Updated	Apr 24, 2023

Transaction

Amount	Amount 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	372 CARDINAL RD, RINGGOLD, GA 30736-4925

Mortgage

Document Number	0000002001
Date	Mar 31, 2023
Instrument	002001

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2053

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Nov 17, 2020
Property Address	372 CARDINAL RD, RINGGOLD, GA 30736-4925
Document Number	0020930617
Book / Page	002093 / 000617
Instrument Date	Nov 12, 2020
Instrument	9605
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	372 CARDINAL RD RINGGOLD GA 307364925, RINGGOLD, GA 30736-4925

Mortgage

Document Number	20930620
Date	Nov 17, 2020
Book Page	002093/000620
Instrument	9606

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 372 Cardinal Rd was $3,084.

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	$3,084.00	$162,430 Land $15,000 Building $147,430	$406,074 Land $37,500 Building $368,574
2023	$2,713.00 (+21.33%)	$121,182 Land $15,000 Building $106,182	$302,956 Land $37,500 Building $265,456
2022	$2,236.00

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 372 Cardinal Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 372 Cardinal Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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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