627 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 627 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,155 sqft · built 2001
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (May 2025)
Tax Bill	$3,029 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0049H153000`

Property Details

APN / Parcel Number

Primary APN	`0049H153000`
Alternative APNs	`0049H153` `22449`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,155 sqft Heated Area
1st Floor Area	1,879 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	133 ft deep x 99 ft wide
Garage Area	552 sqft
Porch	Slab
Porch Area	348 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22449
Street Address	627 CARDINAL RD
City	RINGGOLD
State	GA
Zip	30736-4935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 153 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	153
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4004
Census Tract	30202

Owner

Source: Catoosa County records, 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	2 Individual Names on Record
Mailing Address	627 CARDINAL RD, RINGGOLD, GA 30736-4935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2025	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING
Jan 30, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL
Mar 15, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL
Dec 15, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE INVTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Dec 20, 2011 · Amount on Record
Deed Document Number	20252881
Deed Book / Page	2382 / 848
Prior Transfer Date	Apr 24, 2025
Prior Transfer Doc	0023820848
Record Updated	Jun 8, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	May 1, 2025
Property Address	627 CARDINAL RD, RINGGOLD, GA 30736-4935
Document Number	0023820848
Book / Page	2382 / 848
Instrument Date	Apr 24, 2025
Instrument	2025002881
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.25
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CARDINAL RD, RINGGOLD, GA 30736-4935
Investor	Possibly a Property Investor

Mortgage

Document Number	2025002882
Date	May 1, 2025
Instrument	2025002882

Lender

Name	SUMMIT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2055

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	627 CARDINAL RD, RINGGOLD, GA 30736-4935
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CARDINAL RD, RINGGOLD, GA 30736-4935

Mortgage

Document Number	0022610000000221
Date	Jan 30, 2023
Book Page	0000002261/0000000221
Instrument	000579

Lender

Name	NEW DAY FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	627 CARDINAL RD, RINGGOLD, GA 30736-4935
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CARDINAL RD, RINGGOLD, GA 30736-4935

Mortgage

Document Number	0022080000000605
Date	Mar 15, 2022
Book Page	0000002208/0000000605
Instrument	002265

Lender

Name	NEW DAY FINANCIAL

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	627 CARDINAL RD, RINGGOLD, GA 30736-4935
Document Number	0021010689
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	CHOICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CARDINAL RD RINGGOLD GA 307364935, RINGGOLD, GA 30736-4935

Mortgage

Document Number	0021010689
Date	Dec 21, 2020
Book Page	002101/000689
Instrument	10707

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2050

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	$3,029.00 (+1,564.29%)	$159,559 (+35.04%) Land $15,000 Building $144,559	$398,898 (+35.04%) Land $37,500 Building $361,398
2023	$182.00 (-91.53%) Homeowner's exemption Widower's exemption	$118,156 Land $15,000 Building $103,156	$295,389 Land $37,500 Building $257,889
2022	$2,150.00

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 48% of the US · above 58% 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	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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