432 Waters Dr, Ringgold, GA 30736 Property Records

Catoosa County property record for 432 Waters Dr, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,713 sqft · built 2022
Lot Size	9.14 acres (398,138 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,187 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`300030010`

Property Details

APN / Parcel Number

Primary APN	`300030010`
Alternative APN	`29908`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,713 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	398,138 sqft (9.14 acres)
View / Lot	Flood Plain/Flood Zone
Garage Area	653 sqft
Porch	Open Porch
Porch Area	330 sqft
Lean-To	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	29908
Street Address	432 WATERS DR
City	RINGGOLD
State	GA
Zip	30736-7861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	TRACT 10 LEE & COLEMAN SURVEY PTLL 76 & 105
Legal Tract	10
Legal Lot Number	10
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	3
Census Block	3004
Census Tract	30304

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	136 WILLOWBROOK DR, RINGGOLD, GA 30736-2895
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK
Nov 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage AFMC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2021
Deed Sale	Dec 21, 2021
Deed Document Number	0002398540
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	432 WATERS DR, RINGGOLD, GA 30736-7861
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021610000000613
Date	Aug 18, 2021
Book Page	0000002161/0000000613
Instrument	008121

Lender

Name	FIRST CITIZENS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2022

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	432 WATERS DR, RINGGOLD, GA 30736-7861
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	WATERS DR

Mortgage

Document Number	0022520000000849
Date	Nov 18, 2022
Book Page	0000002252/0000000849
Instrument	009295

Lender

Name	AFMC MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

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	$5,187.00 (+17.17%)	$273,226 (+38.16%) Land $44,792 Building $228,434	$683,065 (+38.16%) Land $111,979 Building $571,086
2023	$4,427.00 (+611.74%)	$197,754 Land $27,786 Building $169,968	$494,385 Land $69,464 Building $424,921
2022	$622.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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.

Wildfire

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

Wildfire Risk	Moderate above 56% of the US · above 83% of Georgia
Wildfire Likelihood	0.1% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ringgold Telephone Company Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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