897 W Watts Rd, Ringgold, GA 30736 Property Records

Catoosa County property record for 897 W Watts Rd, Ringgold, GA 30736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,632 sqft · built 1991
Lot Size	5.19 acres (226,076 sqft)
Owner	2 Individual Names on File
Tax Bill	$692 (2025)
Deeds & Mortgages	Jul 2020 Loan Modification Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00300077000`

Property Details

APN / Parcel Number

Primary APN	`00300077000`
Alternative APNs	`00300077` `15757`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,632 sqft Heated Area
1st Floor Area	1,632 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Architectural Style	Other
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	226,076 sqft (5.19 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	400 sqft
Deck Area	64 sqft
Shed	1 Shed
Canopy	224 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15757
Old Parcel Number	00300077000
Street Address	897 W WATTS RD
City	RINGGOLD
State	GA
Zip	30736-7860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	PT LL 108 27/3
Jurisdiction	CATOOSA GA
Township / Civil Division	RINGGOLD
Census Block Group	3
Census Block	3000
Census Tract	30304

Owner

Source: Catoosa County records, as of January 30, 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 File
Co-owner	Co-owner on File
Mailing Address	897 W WATTS RD, RINGGOLD, GA 30736-7860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2020	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK
Jul 8, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 18, 2012	Loan Modification, Mortgage CITIMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CATOOSA GA
Property Address	897 W WATTS RD, RINGGOLD, GA 30736-7860
Document Number	0020780454
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	897 W WATTS RD RINGGOLD GA 307367860, RINGGOLD, GA 30736-7860

Mortgage

Document Number	0020780454
Date	Sep 10, 2020
Book Page	002078/000454
Instrument	7340

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

Interest

Rate	3.5%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATOOSA GA
Property Address	897 W WATTS RD, RINGGOLD, GA 30736-7860
Document Number	0020680225
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	897 W WATTS RD RINGGOLD GA 307367860, RINGGOLD, GA 30736-7860

Mortgage

Document Number	0020680225
Date	Jul 29, 2020
Book Page	002068/000225
Instrument	5926

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

December 2012: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CATOOSA GA
Property Address	897 W WATTS RD, RINGGOLD, GA 30736-7860
Document Number	0019070586
Book / Page	001907 / 000586
Instrument Date	Dec 18, 2012
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	CONTINENTAL REO SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	897 W WATTS RD RINGGOLD GA 307367860, RINGGOLD, GA 30736-7860

Mortgage

Document Number	0019070586
Date	Nov 7, 2017
Book Page	001907/000586

Lender

Name	CITIMORTGAGE
Type	Mortgage Company
Address	O'FALLON, MO 63368

Agreement

Amount	Amount on Record
Term	300 Months
Due	Nov 6, 2042

Interest

Rate	4%

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	$692.00 (+26.51%) Homeowner's exemption Senior Citizen's exemption	$83,667 (+58.99%) Land $24,312 Building $59,355	$209,169 (+58.99%) Land $60,781 Building $148,388
2023	$547.00 (-43.61%) Homeowner's exemption Senior Citizen's exemption	$52,624 Land $10,243 Building $42,381	$131,559 Land $25,607 Building $105,952
2022	$970.00

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	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	Moderate above 57% of the US · above 86% 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.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Fulton Telephone Company, Spectrum.

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