Catoosa County property record for 646 Cardinal Rd, Ringgold, GA 30736
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,037 sqft · built 2002 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $197,900 (Aug 2002) |
| Tax Bill | $2,749 (2025) |
| Deeds & Mortgages | Jan 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 0049H128000 |
| Primary APN | 0049H128000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,037 sqft Heated Area |
| 1st Floor Area | 1,764 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 142 ft deep x 91 ft wide |
| Garage Area | 546 sqft |
| Porch | Open Porch |
| Porch Area | 198 sqft |
| Deck Area | 209 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 22424 |
|---|---|
| Old Parcel Number | 0049H128000 |
| Street Address | 646 CARDINAL RD |
| City | RINGGOLD |
| State | GA |
| Zip | 30736-4936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 128 THE MEADOWS PH 2 |
| Legal Subdivision | THE MEADOWS PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 128 |
| Jurisdiction | CATOOSA GA |
| Township / Civil Division | RINGGOLD |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 30202 |
646 Cardinal Rd is owned and occupied by two individuals who bought it in August 2002.
Source: Catoosa County records, as of January 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 646 CARDINAL RD, RINGGOLD, GA 30736-4936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2002 · Amount on File |
| Deed Sale | Aug 26, 2002 · Amount on File |
| Deed Document Number | 0000091859 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 646 CARDINAL RD, RINGGOLD, GA 30736-4936 |
| Document Number | 0018740135 |
| Book / Page | 001874 / 000135 |
| Instrument Date | Jan 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2017 |
| Name | Verified Name |
|---|---|
| Address | 646 CARDINAL RD RINGGOLD GA 307364936, RINGGOLD, GA 30736-4936 |
| Document Number | 0018740135 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 001874/000135 |
| Instrument | 2587 |
| Name | ASCEND FCU |
|---|---|
| Type | Credit Union |
| Address | TULLAHOMA, TN 37388 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 16, 2022 |
The 2025 property tax bill for 646 Cardinal Rd was $2,749 with a homeowner's exemption.
Source: Catoosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Catoosa County |
| Unified School District | Catoosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,749.00 Homeowner's exemption | $152,503 Land $15,000 Building $137,503 | $381,258 Land $37,500 Building $343,758 |
| 2023 | $2,505.00 (+20.96%) Homeowner's exemption | $113,926 Land $15,000 Building $98,926 | $284,814 Land $37,500 Building $247,314 |
| 2022 | $2,071.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 Cardinal Rd in Zone X, an area of minimal flood risk.
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 risk around 646 Cardinal Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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.
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 |
| 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.
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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