390 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 390 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,941 sqft · built 2002
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$219,900 (Aug 2018)
Tax Bill	$599 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0049H110000`

Property Details

APN / Parcel Number

Primary APN	`0049H110000`
Alternative APNs	`0049H110` `22406`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,941 sqft Heated Area
1st Floor Area	1,629 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	161 ft deep x 100 ft wide
Garage Area	624 sqft
Porch	Patio
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22406
Street Address	390 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 110 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	110
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4000
Census Tract	30202

Owner

390 Cardinal Rd is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	390 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
Sep 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FCU
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage TJC MTG
Aug 17, 2018	Grant Deed, Transfer · Conventional Mortgage PLATINUM FIN'L FUND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on File
Deed Sale	Aug 15, 2018 · Amount on File
Prior Sale	Jun 6, 2007 · Amount on File
Deed Document Number	20181804
Deed Book / Page	1949 / 511
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	390 CARDINAL RD, RINGGOLD, GA 30736-4925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018990046
Date	Sep 19, 2017
Book Page	1899/46
Instrument	006687

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	390 CARDINAL RD, RINGGOLD, GA 30736-4925
Document Number	0020710118
Instrument Date	Aug 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	390 CARDINAL RD RINGGOLD GA 307364925, RINGGOLD, GA 30736-4925

Mortgage

Document Number	0020710118
Date	Aug 10, 2020
Book Page	002071/000118

Lender

Name	TJC MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Aug 17, 2018
Property Address	390 CARDINAL RD, RINGGOLD, GA 30736-4925
Document Number	0019490511
Book / Page	001949 / 000511
Instrument Date	Aug 15, 2018
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	WARRANTY TITLE INSURANCE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	390 CARDINAL RD RINGGOLD GA 307364925, RINGGOLD, GA 30736-4925

Mortgage

Document Number	19490513
Date	Aug 17, 2018
Book Page	001949/000513

Lender

Name	PLATINUM FIN'L FUND
Type	Funding / Finance Company
Address	CHATTANOOGA, TN 37421

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 390 Cardinal Rd was $599 with exemptions applied.

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

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	$599.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$138,215 Land $15,000 Building $123,215	$345,538 Land $37,500 Building $308,038
2023	$2,320.00 (+20.15%)	$103,661 Land $15,000 Building $88,661	$259,152 Land $37,500 Building $221,652
2022	$1,931.00

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 390 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 390 Cardinal Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 84% of Georgia
Wildfire Likelihood	0.2% 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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