Catoosa County property record for 404 Southern Dr, Ringgold, GA 30736
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,175 sqft · built 2008 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Apr 2023) |
| Tax Bill | $1,943 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0025J027000 |
| Primary APN | 0025J027000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,175 sqft Heated Area |
| 1st Floor Area | 1,175 sqft |
| Utility Area | 49 sqft |
| Utility Room | Utility Room |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 137 ft deep x 90 ft wide |
| Garage Area | 518 sqft |
| Porch | Patio |
| Porch Area | 240 sqft |
| Deck Area | 50 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 14610 |
|---|---|
| Street Address | 404 SOUTHERN DR |
| City | RINGGOLD |
| State | GA |
| Zip | 30736-3099 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 27 SOUTHERN HEIGHTS |
| Legal Subdivision | SOUTHERN HEIGHTS |
| Legal Lot Number | 27 |
| Jurisdiction | CATOOSA GA |
| Township / Civil Division | RINGGOLD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 30305 |
Source: Catoosa County records, as of August 24, 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 File |
|---|---|
| Mailing Address | 404 SOUTHERN DR, RINGGOLD, GA 30736-3099 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2023 | Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FEDERAL CREDIT UNION |
| Apr 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FEDERAL CREDIT UNI |
| Mar 9, 2017 | Quit Claim Deed, Mortgage · Conventional Mortgage MWA BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2023 · Amount on File |
| Deed Sale | Apr 17, 2023 · Amount on File |
| Prior Sale | Nov 2, 2011 · Amount on File |
| Deed Document Number | 2023714 |
| Deed Book / Page | 2272 / 11 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 404 SOUTHERN DR, RINGGOLD, GA 30736-3099 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5873 LAKE RESORT TER, CHATTANOOGA, TN 37415-2776 |
| Document Number | 0022850000000766 |
|---|---|
| Date | Jul 17, 2023 |
| Book Page | 0000002285/0000000766 |
| Name | TENNESSEE VALLEY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.56% |
| Type Change Date | May 1, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Apr 17, 2023 |
| Property Address | 404 SOUTHERN DR, RINGGOLD, GA 30736-3099 |
| Document Number | 0022720011 |
| Book / Page | 2272 / 11 |
| Instrument Date | Apr 17, 2023 |
| Instrument | 2023-000714 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5873 LAKE RESORT TER, CHATTANOOGA, TN 37415-2776 |
| Document Number | 0000002366 |
|---|---|
| Date | Apr 17, 2023 |
| Instrument | 002366 |
| Name | TENNESSEE VALLEY FEDERAL CREDIT UNI |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.56% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Mar 9, 2017 |
| Property Address | 404 SOUTHERN DR, RINGGOLD, GA 30736-3099 |
| Document Number | 0018680748 |
| Book / Page | 001868 / 000748 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 1679 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2019 |
| Title Company | WORLDWIDE RECORDING INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 SOUTHERN DR RINGGOLD GA 307363099, RINGGOLD, GA 30736-3099 |
| Document Number | 18680751 |
|---|---|
| Date | Mar 9, 2017 |
| Book Page | 001868/000751 |
| Instrument | 1680 |
| Name | MWA BK |
|---|---|
| Type | Bank |
| Address | ROCK ISLAND, IL 61201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 8, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Document Number | 18680775, |
|---|---|
| Date | Mar 9, 2017 |
| Book Page | 001868/000775 |
| Instrument | 1681 |
| Name | MWA BK |
|---|---|
| Type | Bank |
| Address | ROCK ISLAND, IL 61201 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Mar 8, 2027 |
Source: Catoosa County assessment roll, as of February 2, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Catoosa County |
| Unified School District | Catoosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,943.00 (+2.37%) Homeowner's exemption | $108,051 (+27.4%) Land $14,000 Building $94,051 | $270,128 (+27.4%) Land $35,000 Building $235,128 |
| 2023 | $1,898.00 (+26.7%) | $84,810 (+26.73%) Land $14,000 Building $70,810 | $212,025 (+26.73%) Land $35,000 Building $177,025 |
| 2022 | $1,498.00 | $66,923 Land $14,000 Building $52,923 | $167,308 Land $35,000 Building $132,308 |
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.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 65% of Georgia |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CATOOSA UTIL. DIST. AUTHORITY serves 59,643 people · EPA ID GA0470000 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 145 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 |
| Verizon Fixed Wireless | 300 / 20 |
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