Catoosa County property record for 656 Waters Dr, Ringgold, GA 30736 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,998 sqft · built 2004 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $187,500 (Oct 2018) |
| Tax Bill | $2,699 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2018 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 300049004 |
| Primary APN | 300049004 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,998 sqft Heated Area |
| 1st Floor Area | 1,582 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Area | 576 sqft |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 294 sqft |
| Deck Area | 32 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 15715 |
|---|---|
| Street Address | 656 WATERS DR |
| City | RINGGOLD |
| State | GA |
| Zip | 30736-7854 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 COURTNEY ESTATES |
| Legal Subdivision | COURTNEY ESTATES |
| Legal Lot Number | 4 |
| Jurisdiction | CATOOSA GA |
| Township / Civil Division | RINGGOLD |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 30304 |
Source: Catoosa County records · APN 300049004
Assessment roll updated February 2, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 656 WATERS DR, RINGGOLD, GA 30736-7854 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VLY FCU |
| Oct 23, 2018 | Grant Deed, Transfer · Conventional with PMI CARDINAL FIN'L |
| Jul 31, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Oct 03, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Sep 28, 2018 | Grant Deed, Transfer |
| Aug 02, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Apr 20, 2017 | Quit Claim Deed, Mortgage · VA Mortgage PROSPERITY HM MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 18, 2018 · Amount on Record |
| Deed Sale | Oct 18, 2018 · Amount on Record |
| Prior Sale | Jul 03, 2018 · Amount on Record |
| Deed Document Number | 20182350 |
| Deed Book / Page | 1960 / 81 |
| Prior Transfer Date | Apr 12, 2017 |
| Prior Transfer Doc | 0018740834 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 656 WATERS DR, RINGGOLD, GA 30736-7854 |
| Document Number | 0020910181 |
| Instrument Date | Oct 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2020 |
| Title Company | CHOICE TITLE |
| Name | Verified Name |
|---|---|
| Address | 656 WATERS DR RINGGOLD GA 307367854, RINGGOLD, GA 30736-7854 |
| Document Number | 0020910181 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 002091/000181 |
| Name | TENNESSEE VLY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 09, 2045 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Oct 23, 2018 |
| Property Address | 656 WATERS DR, RINGGOLD, GA 30736-7854 |
| Document Number | 0019600081 |
| Book / Page | 001960 / 000081 |
| Instrument Date | Oct 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2018 |
| Title Company | FOUNDATION TITLE, FOUNDATION TITLE & ESCROW CHAT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $187.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 192 HARDEN DR RINGGOLD GA 307367472, RINGGOLD, GA 30736-7472 |
| Document Number | 19600085 |
|---|---|
| Date | Oct 23, 2018 |
| Book Page | 001960/000085 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Jul 31, 2018 |
| Property Address | 656 WATERS DR, RINGGOLD, GA 30736-7854 |
| Document Number | 0019460843 |
| Book / Page | 001946 / 000843 |
| Instrument Date | Jul 03, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $162.22 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 656 WATERS DR RINGGOLD GA 307367854, RINGGOLD, GA 30736-7854 |
| Investor | Possibly a Property Investor |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Oct 03, 2018 |
| Property Address | 656 WATERS DR, RINGGOLD, GA 30736-7854 |
| Document Number | 0019570219 |
| Book / Page | 001957 / 000219 |
| Instrument Date | Jul 03, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $162.22 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 656 WATERS DR RINGGOLD GA 307367854, RINGGOLD, GA 30736-7854 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Sep 28, 2018 |
| Property Address | 656 WATERS DR, RINGGOLD, GA 30736-7854 |
| Document Number | 0019560450 |
| Book / Page | 001956 / 000450 |
| Instrument Date | Jul 03, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 656 WATERS DR RINGGOLD GA 307367854, RINGGOLD, GA 30736-7854 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Aug 02, 2018 |
| Property Address | 656 WATERS DR, RINGGOLD, GA 30736-7854 |
| Document Number | 0019470586 |
| Book / Page | 001947 / 000586 |
| Instrument Date | Jul 03, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CATOOSA GA |
| Recording Date | Apr 20, 2017 |
| Property Address | 656 WATERS DR, RINGGOLD, GA 30736-7854 |
| Document Number | 0018740834 |
| Book / Page | 001874 / 000834 |
| Instrument Date | Apr 10, 2017 |
| Instrument | 2734 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2019 |
| Title Company | REALTY CENTER TITLE AND ESCROW L, REALTY CENTER TITLE & ESCROW L |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 656 WATERS DR RINGGOLD GA 307367854, RINGGOLD, GA 30736-7854 |
| Document Number | 18740836 |
|---|---|
| Date | Apr 20, 2017 |
| Book Page | 001874/000836 |
| Instrument | 2735 |
| Name | PROSPERITY HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 19, 2047 |
Source: Catoosa County records · Assessment roll updated February 2, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Catoosa County |
| Unified School District | Catoosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,699.00 (+23.47%) | $142,198 (+45.58%) Land $10,000 Building $132,198 | $355,495 (+45.58%) Land $25,000 Building $330,495 |
| 2023 | $2,186.00 (+21.31%) | $97,676 Land $10,000 Building $87,676 | $244,190 Land $25,000 Building $219,190 |
| 2022 | $1,802.00 |
Source: FEMA National Flood Hazard Layer, Catoosa County (13047C), updated September 12, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 130470303043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force 1 of 2 on primary residences |
| Wildfire Risk | Moderate above 57% of the US · above 83% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 676 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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