86 Cummings Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 86 Cummings Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,220 sqft · built 1988
Lot Size	3.72 acres (162,043 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Mar 2018)
Tax Bill	$2,852 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0039C025000`

Property Details

APN / Parcel Number

Primary APN	`0039C025000`
Alternative APNs	`0039C025` `19560`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,220 sqft Heated Area
1st Floor Area	1,860 sqft
Utility Area	117 sqft
Utility Room	Utility Room
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	162,043 sqft (3.72 acres)
Lot Dimensions	257 ft deep x 492 ft wide
Garage Type	Mixed
Garage Area	1,486 sqft
Carport	Carport
Carport Area	620 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	348 sqft
Lean-To	645 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19560
Old Parcel Number	0039C025000
Street Address	86 CUMMINGS RD
City	RINGGOLD
State	GA
Zip	30736-3057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PT LL 211 28/3
Legal Subdivision	BENTONS ADD
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	1
Census Block	1011
Census Tract	30306

Owner

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	2 Individual Names on Record
Mailing Address	86 CUMMINGS RD, RINGGOLD, GA 30736-3057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST HORIZON
Apr 4, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK/TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Deed Document Number	0019280361
Deed Book / Page	001928 / 000361
Last Transfer Date	Apr 4, 2018
Transfer Doc	0019280361
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	86 CUMMINGS RD, RINGGOLD, GA 30736-3057
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 CUMMINGS RD, RINGGOLD, GA 30736-3057

Mortgage

Document Number	0022540000000375
Date	Dec 2, 2022
Book Page	0000002254/0000000375
Instrument	009537

Lender

Name	FIRST HORIZON

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATOOSA GA
Recording Date	Apr 4, 2018
Property Address	86 CUMMINGS RD, RINGGOLD, GA 30736-3057
Document Number	0019280361
Book / Page	001928 / 000361
Instrument Date	Mar 29, 2018
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	BATTLEFIELD TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Notice of Trustee Sale 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	86 CUMMINGS RD RINGGOLD GA 307363057, RINGGOLD, GA 30736-3057

Mortgage

Document Number	19280364
Date	Apr 4, 2018
Book Page	001928/000364

Lender

Name	WELLS FARGO BK/TX
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2048

Tax Assessment & Valuation

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	$2,852.00 (+4.62%) Homeowner's exemption	$169,917 (+39.51%) Land $19,717 Building $150,200	$424,792 (+39.51%) Land $49,292 Building $375,500
2023	$2,726.00 (+18.68%)	$121,797 Land $19,717 Building $102,080	$304,492 Land $49,292 Building $255,200
2022	$2,297.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 82% of Georgia
Wildfire Likelihood	0.06% 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	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 168 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

May also be available: Ringgold Telephone Company.

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