638 Waters Dr, Ringgold, GA 30736 Property Records

Catoosa County property record for 638 Waters Dr, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,430 sqft · built 2017
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Nov 2021)
Tax Bill	$2,072 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`300049005`

Property Details

APN / Parcel Number

Primary APN	`300049005`
Alternative APN	`15716`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,430 sqft Heated Area
1st Floor Area	1,430 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,204 sqft (0.9 acres)
Garage Area	288 sqft
Porch	Slab
Porch Area	120 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15716
Street Address	638 WATERS DR
City	RINGGOLD
State	GA
Zip	30736-7854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 5 COURTNEY ESTATES
Legal Subdivision	COURTNEY ESTATES
Legal Lot Number	5
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	3
Census Block	3004
Census Tract	30304

Owner

Source: Catoosa County records, as of February 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	638 WATERS DR, RINGGOLD, GA 30736-7854
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Line of Credit NEWREZ
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS
Oct 25, 2017	Warranty Deed, Transfer PLATINUM FIN'L FUND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	20212942
Deed Book / Page	2187 / 831
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	638 WATERS DR, RINGGOLD, GA 30736-7854
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 WATERS DR, RINGGOLD, GA 30736-7854

Mortgage

Document Number	0024040000000284
Date	Sep 4, 2025
Book Page	0000002404/0000000284

Lender

Name	NEWREZ

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2045

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Nov 29, 2021
Property Address	638 WATERS DR, RINGGOLD, GA 30736-7854
Document Number	0021870831
Book / Page	2187 / 831
Instrument Date	Nov 29, 2021
Instrument	2021-002942
Transaction Type	Transfer
Record Updated	Mar 2, 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	638 WATERS DR, RINGGOLD, GA 30736-7854

Mortgage

Document Number	0021870000000833
Date	Dec 1, 2021
Book Page	0000002187/0000000833
Instrument	011779

Lender

Name	CALIBER HOME LOANS

Agreement

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

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Oct 25, 2017
Property Address	638 WATERS DR, RINGGOLD, GA 30736-7854
Document Number	0019050671
Book / Page	001905 / 000671
Instrument Date	Oct 20, 2017
Transaction Type	Transfer
Record Updated	Dec 11, 2017
Title Company	CHOICE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$149.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	638 WATERS DR RINGGOLD GA 307367854, RINGGOLD, GA 30736-7854

Mortgage

Document Number	19050673
Date	Oct 25, 2017
Book Page	001905/000673

Lender

Name	PLATINUM FIN'L FUND
Type	Funding / Finance Company
Address	CHATTANOOGA, TN 37421

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2047

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	$2,072.00 (+11.82%) Homeowner's exemption	$115,772 (+36.52%) Land $10,000 Building $105,772	$289,429 (+36.52%) Land $25,000 Building $264,429
2023	$1,853.00 (+26.74%) Homeowner's exemption	$84,804 Land $10,000 Building $74,804	$212,011 Land $25,000 Building $187,011
2022	$1,462.00

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	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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