462 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 462 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,769 sqft · built 2002
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$291,000 (Jul 2021)
Tax Bill	$616 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0049H114000`

Property Details

APN / Parcel Number

Primary APN	`0049H114000`
Alternative APNs	`0049H114` `22410`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,769 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	169 ft deep x 111 ft wide
Garage Area	418 sqft
Porch	Patio
Porch Area	450 sqft
Deck Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22410
Street Address	462 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 114 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	114
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4000
Census Tract	30202

Owner

Source: Catoosa County records, as of September 28, 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	462 CARDINAL RD, RINGGOLD, GA 30736-4927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · FHA Mortgage MILESTONE MORTGAGE SOLUTIONS
Oct 14, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Feb 28, 2003 · Amount on Record
Deed Document Number	20211573
Deed Book / Page	2151 / 207
Prior Transfer Date	Feb 8, 2011
Prior Transfer Doc	0015630352
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Recording Date	Sep 1, 2026
Property Address	462 CARDINAL RD, RINGGOLD, GA 30736-4927
Document Number	2468000141
Book / Page	2468 / 141
Instrument Date	Aug 26, 2026
Transaction Type	Mortgage
Record Updated	Sep 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 CARDINAL RD, RINGGOLD, GA 30736-4927

Mortgage

Document Number	2468000141,
Date	Sep 1, 2026
Book Page	2468/141

Lender

Name	MILESTONE MORTGAGE SOLUTIONS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	462 CARDINAL RD, RINGGOLD, GA 30736-4927
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 CARDINAL RD, RINGGOLD, GA 30736-4927

Mortgage

Document Number	0024110000000698
Date	Oct 14, 2025
Book Page	0000002411/0000000698
Instrument	2025007178

Lender

Name	AMERISAVE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Jul 7, 2021
Property Address	462 CARDINAL RD, RINGGOLD, GA 30736-4927
Document Number	0021510207
Book / Page	2151 / 207
Instrument Date	Jul 7, 2021
Instrument	2021-001573
Transaction Type	Transfer
Record Updated	Jul 16, 2021

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	462 CARDINAL RD, RINGGOLD, GA 30736-4927

Mortgage

Document Number	0021510000000209
Date	Jul 8, 2021
Book Page	0000002151/0000000209
Instrument	006627

Lender

Name	SWBC MORTGAGE

Agreement

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

Tax Assessment & Valuation

Source: Catoosa County assessment roll, as of February 2, 2026

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	$616.00 (-73.75%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$150,322 (+38.92%) Land $15,000 Building $135,322	$375,806 (+38.92%) Land $37,500 Building $338,306
2023	$2,347.00 (+20.48%) Homeowner's exemption Senior Citizen's exemption	$108,210 Land $15,000 Building $93,210	$270,526 Land $37,500 Building $233,026
2022	$1,948.00

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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