39 Gale St, Ringgold, GA 30736 Property Records

Catoosa County property record for 39 Gale St, Ringgold, GA 30736

Property Summary

Property Type	Quadplex
Details	4 ba · 3,360 sqft · built 1974
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Last Sale	$240,000 (Mar 2021)
Tax Bill	$3,016 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`R0060117000`

Property Details

APN / Parcel Number

Primary APN	`R0060117000`
Alternative APNs	`R0060117` `27250`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,360 sqft Total Area
1st Floor Area	1,680 sqft
Utility Area	480 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1985
Architectural Style	Quadruplex
Exterior Material	Vinyl
Construction Type	Wood
Roof Material	Metal
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	105 ft deep x 90 ft wide
Patio Area	50 sqft
Utility Building	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27250
Street Address	39 GALE ST
City	RINGGOLD
State	GA
Zip	30736-2328
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Local Zoning Code	RIN R-3
Legal Description	PART LOT 9 GALE SUB
Legal Subdivision	COM- RINGGOLD CITY
Legal Lot Number	9
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	1
Census Block	1030
Census Tract	30201

Owner

Source: Catoosa County records, as of February 2, 2026

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

Owner of Record	Company Name on Record
Mailing Address	105 LA PORTE DR, CHATTANOOGA, TN 37415-1304
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · Commercial Mortgage FNB BANK
Feb 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK
Mar 10, 2021	Warranty Deed, Construction Loan · Construction Mortgage JOHN JACOBS
Apr 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Deed Document Number	2021495
Deed Book / Page	2120 / 274
Prior Transfer Date	Apr 13, 2017
Prior Transfer Doc	0018750110
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	39 GALE ST, RINGGOLD, GA 30736-2328
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 GALE ST, RINGGOLD, GA 30736-2328

Mortgage

Document Number	0021440000000367
Date	Jun 10, 2021
Book Page	0000002144/0000000367
Instrument	005707

Lender

Name	FNB BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2041

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	39 GALE ST, RINGGOLD, GA 30736-2328
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 GALE ST, RINGGOLD, GA 30736-2328

Mortgage

Document Number	0022000000000606
Date	Feb 2, 2022
Book Page	0000002200/0000000606
Instrument	000993

Lender

Name	CADENCE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2023

March 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Mar 10, 2021
Property Address	39 GALE ST, RINGGOLD, GA 30736-2328
Document Number	0021200274
Book / Page	002120 / 000274
Instrument Date	Mar 5, 2021
Transaction Type	Construction Loan
Record Updated	Apr 5, 2021
Title Company	KEY TITLE AND ESCROW, KEY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	39 GALE ST RINGGOLD GA 307362328, RINGGOLD, GA 30736-2328

Mortgage

Document Number	21200276
Date	Mar 10, 2021
Book Page	002120/000276

Lender

Name	JOHN JACOBS
Address	1 EQUITY WAY, WESTLAKE, OH 44145-1050

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 9, 2022

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CATOOSA GA
Recording Date	Apr 21, 2017
Property Address	39 GALE ST, RINGGOLD, GA 30736-2328
Document Number	0018750110
Book / Page	001875 / 000110
Instrument Date	Apr 20, 2017
Instrument	2761
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Catoosa County assessment roll, as of February 2, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Catoosa County
Municipality	Ringgold City
Unified School District	Catoosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,016.00 (+23.76%)	$140,766 (+47.14%) Land $21,639 Building $119,127	$351,916 (+47.14%) Land $54,098 Building $297,818
2023	$2,437.00	$95,666 Land $18,576 Building $77,090	$239,165 Land $46,440 Building $192,725
2022	$2,437.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	16 (1990–2020)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Apr 2020 · river or lake flooding
Claims by Event	Severe Storms, Tornaodes & Flooding, Feb 1990 · 5 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 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% 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	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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ringgold Telephone Company Fiber · DSL in parts of the area	2,500 / 2,500
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Gale St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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