Catoosa County property record for 85 Laura Ln, Ringgold, GA 30736
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,260 sqft · built 2004 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $438 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 510023004 |
| Primary APN | 510023004 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,260 sqft Heated Area |
| 1st Floor Area | 1,260 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,087 sqft (0.53 acres) |
| Lot Dimensions | 121 ft deep x 190 ft wide |
| Garage Area | 440 sqft |
| Porch | Open Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 22799 |
|---|---|
| Street Address | 85 LAURA LN |
| City | RINGGOLD |
| State | GA |
| Zip | 30736-4059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 4 JACKIE D BLACK PLAT |
| Legal Subdivision | TRACT-LOT: 25000.00 |
| Legal Lot Number | 4 |
| Jurisdiction | CATOOSA GA |
| Township / Civil Division | RINGGOLD |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 30202 |
Source: Catoosa County records, as of January 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 85 LAURA LN, RINGGOLD, GA 30736-4059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE |
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 2020 |
| Deed Sale | Nov 3, 2020 |
| Prior Sale | Jun 7, 2010 · Amount on Record |
| Deed Document Number | 0001764311 |
| Deed Book / Page | 1764 / 311 |
| Prior Transfer Date | Mar 16, 2015 |
| Prior Transfer Doc | 2015-000470 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 85 LAURA LN, RINGGOLD, GA 30736-4059 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 85 LAURA LN, RINGGOLD, GA 30736-4059 |
| Document Number | 0022450000000634 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 0000002245/0000000634 |
| Instrument | 008101 |
| Name | ROYAL UNITED MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CATOOSA GA |
| Property Address | 85 LAURA LN, RINGGOLD, GA 30736-4059 |
| Document Number | 0021250185 |
| Instrument Date | Mar 12, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 84 LAURA LN RINGGOLD GA 30736, RINGGOLD, GA 30736 |
| Document Number | 0021250185 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | 002125/000185 |
| Name | FIRST HORIZON BK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 28, 2051 |
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 | $438.00 (-17.98%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $102,188 (+33.25%) Land $10,000 Building $92,188 | $255,470 (+33.25%) Land $25,000 Building $230,470 |
| 2023 | $534.00 (-60.36%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $76,690 Land $10,000 Building $66,690 | $191,725 Land $25,000 Building $166,725 |
| 2022 | $1,347.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 45 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Ringgold Telephone Company DSL | 100 / 20 |
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