426 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 426 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,866 sqft · built 2003
Lot Size	0.369 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Mar 2018)
Tax Bill	$46 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0049H112000`

Property Details

APN / Parcel Number

Primary APN	`0049H112000`
Alternative APNs	`0049H112` `22408`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,866 sqft Heated Area
1st Floor Area	1,602 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
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	162 ft deep x 100 ft wide
Garage Area	528 sqft
Porch	Open Porch
Porch Area	248 sqft
Deck Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22408
Old Parcel Number	0049H112000
Street Address	426 CARDINAL RD
City	RINGGOLD
State	GA
Zip	30736-4927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 112 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	112
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4000
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	2 Individual Names on Record
Mailing Address	426 CARDINAL RD, RINGGOLD, GA 30736-4927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES
Feb 19, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Mar 16, 2018	Grant Deed, Transfer · VA Mortgage CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2018 · Amount on Record
Deed Sale	Mar 16, 2018 · Amount on Record
Deed Document Number	0001925246
Deed Book / Page	1925 / 246
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	426 CARDINAL RD, RINGGOLD, GA 30736-4927
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 CARDINAL RD, RINGGOLD, GA 30736-4927

Mortgage

Document Number	0021510000000173
Date	Jul 8, 2021
Book Page	0000002151/0000000173
Instrument	006621

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	426 CARDINAL RD, RINGGOLD, GA 30736-4927
Document Number	0020370434
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	426 CARDINAL RD RINGGOLD GA 307364927, RINGGOLD, GA 30736-4927

Mortgage

Document Number	0020370434
Date	Mar 2, 2020
Book Page	002037/000434

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Mar 16, 2018
Property Address	426 CARDINAL RD, RINGGOLD, GA 30736-4927
Document Number	0019250246
Book / Page	001925 / 000246
Instrument Date	Mar 16, 2018
Transaction Type	Transfer
Record Updated	Mar 28, 2018
Title Company	BATTLEFIELD TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
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	426 CARDINAL RD RINGGOLD GA 307364927, RINGGOLD, GA 30736-4927

Mortgage

Document Number	19250249
Date	Mar 16, 2018
Book Page	001925/000249

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2048

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	$46.00 (-97.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$136,980 (+33.47%) Land $15,000 Building $121,980	$342,450 (+33.47%) Land $37,500 Building $304,950
2023	$2,087.00 (+10.66%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$102,628 Land $15,000 Building $87,628	$256,570 Land $37,500 Building $219,070
2022	$1,886.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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