495 Cotter St, Ringgold, GA 30736 Property Records

Catoosa County property record for 495 Cotter St, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,176 sqft · built 1930
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jun 2021)
Tax Bill	$1,313 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0060135000`

Property Details

APN / Parcel Number

Primary APN	`R0060135000`
Alternative APNs	`R0060135` `27269`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Heated Area
1st Floor Area	1,176 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	190 ft deep x 66 ft wide
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	284 sqft
Deck Area	60 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27269
Street Address	495 COTTER ST
City	RINGGOLD
State	GA
Zip	30736-2337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RIN R-3
Legal Description	TOWN OF RINGGOLD
Legal Subdivision	SALE INC MH ON ACC
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	1
Census Block	1030
Census Tract	30201

Owner

Source: Catoosa County assessment roll, as of February 2, 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 File
Mailing Address	495 COTTER ST, RINGGOLD, GA 30736-2337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING
Sep 26, 2019	Warranty Deed, Transfer REALTY CENTER TITLE AND ESCROW L, REALTY CENTER TITLE & ESCROW L
Apr 1, 2019	Grant Deed, Transfer CHOICE TITLE
Feb 26, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	Sep 25, 2019 · Amount on Record
Deed Document Number	20211350
Deed Book / Page	2146 / 463
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Jun 11, 2021
Property Address	495 COTTER ST, RINGGOLD, GA 30736-2337
Document Number	0021460463
Book / Page	2146 / 463
Instrument Date	Jun 11, 2021
Instrument	2021-001350
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	495 COTTER ST, RINGGOLD, GA 30736-2337

Mortgage

Document Number	0021460000000465
Date	Jun 21, 2021
Book Page	0000002146/0000000465
Instrument	005995

Lender

Name	SUMMIT FUNDING

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Sep 26, 2019
Property Address	495 COTTER ST, RINGGOLD, GA 30736-2337
Document Number	0020100677
Book / Page	002010 / 000677
Instrument Date	Sep 25, 2019
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	REALTY CENTER TITLE AND ESCROW L, REALTY CENTER TITLE & ESCROW L

Transaction

Amount	Amount Recorded
Tax	$42.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 COTTER ST RINGGOLD GA 307362337, RINGGOLD, GA 30736-2337

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATOOSA GA
Recording Date	Apr 1, 2019
Property Address	495 COTTER ST, RINGGOLD, GA 30736-2337
Document Number	0019800273
Book / Page	001980 / 000273
Instrument Date	Mar 21, 2019
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	CHOICE TITLE

Transaction

Amount	Amount Recorded
Tax	$40.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 COTTER ST RINGGOLD GA 307362337, RINGGOLD, GA 30736-2337

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CATOOSA GA
Recording Date	Feb 26, 2019
Property Address	495 COTTER ST, RINGGOLD, GA 30736-2337
Document Number	0019760067
Book / Page	001976 / 000067
Instrument Date	Feb 7, 2019
Instrument	1158
Transaction Type	Foreclosure
Record Updated	Mar 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$40.04
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1600 S DOUGLASS RD #200-A ANAHEIM CA 928065948, 200-A, ANAHEIM, CA 92806-5948

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Georgia
County	Catoosa County
Municipality	Ringgold City
Unified School District	Catoosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,313.00 (+8.87%) Homeowner's exemption	$73,820 (+55.89%) Land $14,000 Building $59,820	$184,549 (+55.88%) Land $35,000 Building $149,549
2023	$1,206.00 (+26.55%)	$47,355 Land $5,920 Building $41,435	$118,388 Land $14,801 Building $103,587
2022	$953.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	16 (1990–2020)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Apr 2020 · river or lake flooding
Claims by Event	Severe Storms, Tornaodes & Flooding, Feb 1990 · 5 claims

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 63% of the US · lower than 84% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ringgold Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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