425 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 425 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,632 sqft · built 2024
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Jul 2025)
Tax Bill	$2,629 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jul 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0049H163000`

Property Details

APN / Parcel Number

Primary APN	`0049H163000`
Alternative APNs	`0049H163` `22459`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,632 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Architectural Style	Other
Exterior Material	Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	146 ft deep x 95 ft wide
Garage Area	484 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	524 sqft
Deck Area	100 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22459
Old Parcel Number	0049H163000
Street Address	425 CARDINAL RD
City	RINGGOLD
State	GA
Zip	30736-4928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 163 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	163
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4004
Census Tract	30202

Owner

Source: Catoosa County records, as of January 30, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2025	Warranty Deed, Transfer · FHA Mortgage CADENCE BANK
Jul 25, 2024	Warranty Deed, Transfer · Conventional Mortgage BUILTWELL BANK
Nov 30, 2023	Warranty Deed, Transfer
May 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL
Jul 29, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Sep 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2025 · Amount on Record
Deed Sale	Jul 10, 2025 · Amount on Record
Prior Sale	Jul 25, 2024 · Amount on Record
Deed Document Number	2025004581
Deed Book / Page	2394 / 619
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Jul 10, 2025
Property Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928
Document Number	0023940619
Book / Page	2394 / 619
Instrument Date	Jul 3, 2025
Instrument	2025004581
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.75
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928

Mortgage

Document Number	0002394621
Date	Jul 10, 2025
Instrument	2394/621

Lender

Name	CADENCE BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2055

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Jul 25, 2024
Property Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928
Document Number	0023390074
Book / Page	2339 / 74
Instrument Date	Jul 3, 2024
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928

Mortgage

Document Number	0000233976
Date	Jul 25, 2024
Instrument	2339/76

Lender

Name	BUILTWELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Jan 1, 2025

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Nov 30, 2023
Property Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928
Document Number	0023050480
Book / Page	2305 / 480
Instrument Date	Nov 29, 2023
Instrument	007569
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1207, RINGGOLD, GA 30736-1207

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018810151
Date	May 30, 2017
Book Page	1881/151

Lender

Name	DITECH FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2037

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Jul 29, 2020
Property Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928
Document Number	0020680449
Book / Page	002068 / 000449
Instrument Date	Jul 24, 2020
Instrument	5952
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	REALTY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	425 CARDINAL RD RINGGOLD GA 307364928, RINGGOLD, GA 30736-4928

Mortgage

Document Number	20680451
Date	Jul 29, 2020
Book Page	002068/000451
Instrument	5953

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	425 CARDINAL RD, RINGGOLD, GA 30736-4928
Document Number	0019570508
Instrument Date	Sep 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	425 CARDINAL RD RINGGOLD GA 307364928, RINGGOLD, GA 30736-4928

Mortgage

Document Number	0019570508
Date	Oct 4, 2018
Book Page	001957/000508

Lender

Name	DITECH FIN'L
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 3, 2038

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	$2,629.00 (-9.81%)	$138,512 (+6.35%) Land $15,000 Building $123,512	$346,281 (+6.35%) Land $37,500 Building $308,781
2023	$2,915.00 (+20.55%)	$130,246 Land $15,000 Building $115,246	$325,614 Land $37,500 Building $288,114
2022	$2,418.00

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 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 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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