677 Waters Dr, Ringgold, GA 30736 Property Records

Catoosa County property record for 677 Waters Dr, Ringgold, GA 30736

Property Summary

Property Type	Rural Home
Details	2 ba · 1,048 sqft · built 2021
Lot Size	30.7 acres (1,339,470 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Jan 2019)
Tax Bill	$3,479 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31010000C`

Property Details

APN / Parcel Number

Primary APN	`31010000C`
Alternative APN	`15971`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,048 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,339,470 sqft (30.7 acres)
Garage Area	440 sqft
Porch	Open Porch
Deck Area	342 sqft
Utility Building	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15971
Street Address	677 WATERS DR
City	RINGGOLD
State	GA
Zip	30736-7855
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1
Legal Description	LOT 2 RAY WATTS SURVEY
Legal Lot Number	2
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	3
Census Block	3000
Census Tract	30304

Owner

677 Waters Dr, a rural home, is owned and occupied by an individual who bought it in January 2019.

Source: Catoosa County records, as of January 30, 2026

Owner of Record	Individual Name on File
Mailing Address	677 WATERS DR, RINGGOLD, GA 30736-7855
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Deed of Trust, Mortgage COMMUNITY NAT'L BK
Aug 13, 2020	Loan Modification, Mortgage COMMUNITY NAT'L BK
Aug 22, 2019	Deed of Trust, Construction Loan · Construction Mortgage COMMUNITY NAT'L BK
Jan 31, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2019 · Amount on File
Deed Sale	Jan 28, 2019 · Amount on File
Deed Document Number	0001972827
Deed Book / Page	1972 / 827
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	677 WATERS DR, RINGGOLD, GA 30736-7855
Document Number	0021230403
Instrument Date	Mar 12, 2021
Transaction Type	Mortgage
Record Updated	Apr 9, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 WATERS DR RINGGOLD GA 30736, RINGGOLD, GA 30736

Mortgage

Document Number	0021230403
Date	Mar 22, 2021
Book Page	002123/000403

Lender

Name	COMMUNITY NAT'L BK
Type	Bank
Address	ROSSVILLE, GA 30741-0638

Agreement

Amount	Amount on Record
Term	60 Months
Due	Mar 21, 2026

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CATOOSA GA
Property Address	677 WATERS DR, RINGGOLD, GA 30736-7855
Document Number	0020730129
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	267 COUNTRY SQUIRE LN CHICKAMAUGA GA 307076032, CHICKAMAUGA, GA 30707-6032

Mortgage

Document Number	0020730129
Date	Aug 19, 2020
Book Page	002073/000129
Instrument	6605

Lender

Name	COMMUNITY NAT'L BK
Type	Bank
Address	ROSSVILLE, GA 30741-0638

Agreement

Amount	Amount on Record
Term	12 Months
Due	Aug 18, 2021

August 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Recording Date	Aug 22, 2019
Property Address	677 WATERS DR, RINGGOLD, GA 30736-7855
Document Number	0020040350
Book / Page	002004 / 000350
Instrument Date	Aug 16, 2019
Transaction Type	Construction Loan
Record Updated	Sep 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	267 COUNTRY SQUIRE LN CHICKAMAUGA GA 307076032, CHICKAMAUGA, GA 30707-6032

Mortgage

Document Number	20040350
Date	Aug 22, 2019
Book Page	002004/000350

Lender

Name	COMMUNITY NAT'L BK
Type	Bank
Address	DAYTON, TN 37321-0255

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 21, 2020

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Jan 31, 2019
Property Address	677 WATERS DR, RINGGOLD, GA 30736-7855
Document Number	0019720827
Book / Page	001972 / 000827
Instrument Date	Jan 28, 2019
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TITLE & GNTY CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	WATERS DR RINGGOLD GA 30736, RINGGOLD, GA 30736

Mortgage

Document Number	19720829
Date	Jan 31, 2019
Book Page	001972/000829

Lender

Name	COMMUNITY NAT'L BK
Type	Bank
Address	RINGGOLD, GA 30736-1245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 30, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 677 Waters Dr was $3,479.

Source: Catoosa County assessment roll, as of July 1, 2025

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	$3,479.00	$183,239 Land $66,879 Building $116,360	$458,097 Land $167,197 Building $290,900
2023	$2,783.00 (+26.33%)	$124,330 Land $35,587 Building $88,743	$310,825 Land $88,967 Building $221,858
2022	$2,203.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 677 Waters Dr 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	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

Wildfire risk around 677 Waters Dr is moderate, ranking above 55% 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 55% of the US · above 79% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ringgold Telephone Company Fiber	1,000 / 1,000

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Waters Dr

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