678 Cardinal Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 678 Cardinal Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,251 sqft · built 2002
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Aug 2019)
Tax Bill	$3,448 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0049H130000`

Property Details

APN / Parcel Number

Primary APN	`0049H130000`
Alternative APNs	`0049H130` `22426`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,251 sqft Heated Area
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	12,632 sqft (0.29 acres)
Lot Dimensions	148 ft deep x 84 ft wide
Garage Area	560 sqft

Exterior Amenities

Porch	Patio
Porch Area	424 sqft
Deck Area	100 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22426
Street Address	678 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 130 THE MEADOWS PH 2
Legal Subdivision	THE MEADOWS PH 2
Legal Phase	2
Legal Lot Number	130
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 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	678 CARDINAL RD, RINGGOLD, GA 30736-4936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage TJC MTG
Aug 22, 2019	Deed with Mortgage, Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on Record
Deed Sale	Aug 21, 2019 · Amount on Record
Prior Sale	May 14, 2007 · Amount on Record
Deed Document Number	20191813
Deed Book / Page	2004 / 490
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	678 CARDINAL RD, RINGGOLD, GA 30736-4936
Document Number	0021180325
Instrument Date	Feb 26, 2021
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	678 CARDINAL RD RINGGOLD GA 307364936, RINGGOLD, GA 30736-4936

Mortgage

Document Number	0021180325
Date	Mar 3, 2021
Book Page	002118/000325

Lender

Name	TJC MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 2, 2041

August 2019: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	CATOOSA GA
Recording Date	Aug 22, 2019
Property Address	678 CARDINAL RD, RINGGOLD, GA 30736-4936
Document Number	0020040490
Book / Page	002004 / 000490
Instrument Date	Aug 21, 2019
Instrument	5593
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	CHATTANOOGA TITLE-DOWNTOWN LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	678 CARDINAL RD RINGGOLD GA 307364936, RINGGOLD, GA 30736-4936

Mortgage

Document Number	20040493
Date	Aug 22, 2019
Book Page	002004/000493
Instrument	5593

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2049

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	$3,448.00 (+9.53%) Homeowner's exemption	$190,705 (+33.72%) Land $15,000 Building $175,705	$476,762 (+33.72%) Land $37,500 Building $439,262
2023	$3,148.00 (+23.21%) Homeowner's exemption	$142,614 Land $15,000 Building $127,614	$356,536 Land $37,500 Building $319,036
2022	$2,555.00

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

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.

Nearby Properties on Cardinal Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures