45 Pine Lakes Dr, Ringgold, GA 30736 Property Records

Catoosa County property record for 45 Pine Lakes Dr, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,931 sqft · built 2020
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$570,000 (May 2023)
Tax Bill	$4,748 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0022K088`

Property Details

APN / Parcel Number

Primary APN	`0022K088`
Alternative APN	`29556`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,931 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	122 ft deep x 76 ft wide
Garage Area	556 sqft
Porch	Open Porch
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	29556
Street Address	45 PINE LAKES DR
City	RINGGOLD
State	GA
Zip	30736-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RTZ
Legal Description	LOT 88 PINE LAKES PHASE 1
Legal Subdivision	PINE LAKES PHASE 1
Legal Phase	1
Legal Lot Number	88
Jurisdiction	CATOOSA GA
Township / Civil Division	BOYNTON RIDGE
Census Block Group	1
Census Block	1004
Census Tract	30404

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
Co-owner	Co-owner on Record
Mailing Address	45 PINE LAKES DR, RINGGOLD, GA 30736-1711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP
Feb 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE
Nov 12, 2020	Grant Deed, Transfer · Conventional with PMI SIRVA MTG
Apr 14, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PINNACLE BK
Feb 21, 2020	Deed of Trust, Construction Loan · Line of Credit SMARTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Nov 6, 2020 · Amount on Record
Deed Document Number	2023-001012
Deed Book / Page	2278 / 49
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	May 22, 2023
Property Address	45 PINE LAKES DR, RINGGOLD, GA 30736-1711
Document Number	0022780049
Book / Page	2278 / 49
Instrument Date	May 22, 2023
Instrument	2023-001012
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PINE LAKES DR, RINGGOLD, GA 30736-1711

Mortgage

Document Number	0000003334
Date	May 22, 2023
Instrument	003334

Lender

Name	MORTGAGE INVESTORS GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	45 PINE LAKES DR, RINGGOLD, GA 30736-1711
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PINE LAKES DR, RINGGOLD, GA 30736-1711

Mortgage

Document Number	0022020000000147
Date	Feb 9, 2022
Book Page	0000002202/0000000147
Instrument	001200

Lender

Name	FIRST COMMUNITY MORTGAGE

Agreement

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Nov 12, 2020
Property Address	45 PINE LAKES DR, RINGGOLD, GA 30736-1711
Document Number	0020920122
Book / Page	002092 / 000122
Instrument Date	Nov 6, 2020
Instrument	9374
Transaction Type	Transfer
Record Updated	Nov 25, 2020
Title Company	TEAM TITLE LEGAL SVCS PLLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 PINE LAKES DR RINGGOLD GA 307361711, RINGGOLD, GA 30736-1711

Mortgage

Document Number	20920124
Date	Nov 12, 2020
Book Page	002092/000124

Lender

Name	SIRVA MTG
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2050

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Apr 14, 2020
Property Address	45 PINE LAKES DR, RINGGOLD, GA 30736-1711
Document Number	0020450501
Book / Page	002045 / 000501
Instrument Date	Apr 8, 2020
Instrument	2735
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 14, 2020
Title Company	CHOICE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.00
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	45 PINE LAKES DR RINGGOLD GA 307361711, RINGGOLD, GA 30736-1711

Mortgage

Document Number	20450504
Date	Apr 14, 2020
Book Page	002045/000504

Lender

Name	PINNACLE BK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2050

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Recording Date	Feb 21, 2020
Property Address	45 PINE LAKES DR, RINGGOLD, GA 30736-1711
Document Number	0020350490
Book / Page	002035 / 000490
Instrument Date	Feb 14, 2020
Instrument	1310
Transaction Type	Construction Loan
Record Updated	Oct 14, 2020
Title Company	CHOICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	154 GRANDVIEW PT RINGGOLD GA 307362674, RINGGOLD, GA 30736-2674
Investor	Possibly a Property Investor

Mortgage

Document Number	20350490
Date	Feb 21, 2020
Book Page	002035/000490
Instrument	1310

Lender

Name	SMARTBANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 20, 2021

Interest

Rate Type	Adjustable Rate

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	$4,748.00 (+0.08%)	$250,116 (+18.01%) Land $24,000 Building $226,116	$625,290 (+18.01%) Land $60,000 Building $565,290
2023	$4,744.00 (+28.22%)	$211,942 Land $24,000 Building $187,942	$529,854 Land $60,000 Building $469,854
2022	$3,700.00

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	9 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	Low lower than 62% of the US · lower than 82% of Georgia
Wildfire Likelihood	0.07% 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ringgold Telephone Company.

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