658 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 658 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,075 sqft · built 2002
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$298,900 (Apr 2021)
Tax Bill	$2,984 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0049H129000`

Property Details

APN / Parcel Number

Primary APN	`0049H129000`
Alternative APNs	`0049H129` `22425`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,075 sqft Heated Area
Basement Area	550 sqft
Unfinished Basement	550 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	147 ft deep x 90 ft wide
Garage Area	80 sqft
Porch	Slab
Porch Area	300 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22425
Street Address	658 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 129 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	129
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	4
Census Block	4000
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	658 CARDINAL RD, RINGGOLD, GA 30736-4936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VLY FCU
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VLY FCU
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2021 · Amount on Record
Deed Sale	Apr 22, 2021 · Amount on Record
Prior Sale	Sep 28, 2015 · Amount on Record
Deed Document Number	2021849
Deed Book / Page	2131 / 739
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Apr 23, 2021
Property Address	658 CARDINAL RD, RINGGOLD, GA 30736-4936
Document Number	0021310739
Book / Page	002131 / 000739
Instrument Date	Apr 23, 2021
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	KELTY TITLE AND ESCROW SERVICES INC, REALTY TITLE & ESCROW SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	658 CARDINAL ROAD RINGGOLD GA RINGGOLD GA 30736, RINGGOLD, GA 30736

Mortgage

Document Number	21310741
Date	Apr 23, 2021
Book Page	002131/000741

Lender

Name	TENNESSEE VLY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	658 CARDINAL RD, RINGGOLD, GA 30736-4936
Document Number	0021350699
Instrument Date	Apr 22, 2021
Transaction Type	Mortgage
Record Updated	Jul 1, 2021
Title Company	REALTY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	658 CARDINAL RD RINGGOLD GA 307364936, RINGGOLD, GA 30736-4936

Mortgage

Document Number	0021350699
Date	May 7, 2021
Book Page	002135/000699

Lender

Name	TENNESSEE VLY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	658 CARDINAL RD, RINGGOLD, GA 30736-4936
Document Number	0021080137
Instrument Date	Jan 15, 2021
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 CARDINAL RD RINGGOLD GA 307364936, RINGGOLD, GA 30736-4936

Mortgage

Document Number	0021080137
Date	Jan 21, 2021
Book Page	002108/000137

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 20, 2036

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	$2,984.00 (+10.56%)	$157,166 (+30.34%) Land $15,000 Building $142,166	$392,914 (+30.34%) Land $37,500 Building $355,414
2023	$2,699.00 (+24.72%)	$120,581 Land $15,000 Building $105,581	$301,452 Land $37,500 Building $263,952
2022	$2,164.00

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 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	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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