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Single Family ResidenceResidential
$335,028$186 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $30,000 on Mar 4, 2010

20 SPRUCE LN

RINGGOLD, GA 30736
1
Baths
1,800 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$335K
$308K low$362K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$30,000 · Mar 4, 2010
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$304,013
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$243,210
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.9%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$27,515
NORTHEAST GA BANK · P · recorded Mar 17, 2010
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$3,500
NORTHWEST GA BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$226 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$65,647 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,429
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$41,218
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$52,661
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$164,118

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.182 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCatoosa
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1982
Lot (acres)The size of the land the home sits on, from county records.3.30
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 400 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Graysville Elementary SchoolB+
Elementary · Grades KG–5 · 0.8 mi
H
Ringgold High SchoolB-
High · Grades 9–12 · 4.7 mi
M
Ringgold Middle SchoolA-
Middle · Grades 6–8 · 4.8 mi

District: Catoosa County School District

Neighborhood · ZIP 30736These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.116
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.146

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.45,340
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.356 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$81,951
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,992
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20 Spruce Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Bigger than 69% of homes in Catoosa County
  • Has a bigger lot than 89% of homes in Catoosa County
  • Older than 96% of homes in Ringgold 30736

What homes are worth in Ringgold 30736

Each bar is how many homes fall in that price range. The marker is this home.

This home
$123K$815K

This home is worth more than 55% of homes in Ringgold 30736.

How it measures up in Ringgold 30736

The dot is this home. The mark in the middle is the typical home in Ringgold 30736.

Estimated value$335,028
CheaperTypical $320,685Pricier

Pricier than 55% of homes nearby

Price per ft²$186
CheaperTypical $198Pricier

Pricier than 36% of homes nearby

Living area1,800 ft²
SmallerTypical 1,596 ft²Bigger

Bigger than 62% of homes nearby

Lot size3.3 ac
SmallerTypical 0.57 acBigger

Bigger than 86% of homes nearby

Year built1948
OlderTypical 1994Newer

Newer than 4% of homes nearby

How 20 Spruce Ln ranks against every home in each area.
MeasureThis homeRinggold 30736Catoosa County
Estimated valuepricier than$335,02855% of homes64% of homes
Price per ft²pricier than$18636% of homes44% of homes
Living areabigger than1,800 ft²62% of homes69% of homes
Lot sizebigger than3.3 ac86% of homes89% of homes
Year builtnewer than19484% of homes7% of homes

About 20 Spruce Ln

How much is 20 Spruce Ln, Ringgold, GA worth?

The TopHap Estimate for 20 Spruce Ln, Ringgold, GA is $335,028 as of Jul 14, 2026. The likely range is $307,721 to $362,335. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Spruce Ln, Ringgold, GA last sell?

20 Spruce Ln, Ringgold, GA last sold on Mar 4, 2010 for $30,000, according to the county's recorded deed.

How big is 20 Spruce Ln, Ringgold, GA?

20 Spruce Ln, Ringgold, GA has 1 bathrooms, 1,800 square feet of living space and a 3.30-acre lot.

When was 20 Spruce Ln, Ringgold, GA built?

20 Spruce Ln, Ringgold, GA was built in 1948, making it 78 years old. The building has 1 story.

What schools serve 20 Spruce Ln, Ringgold, GA?

20 Spruce Ln, Ringgold, GA is assigned to Graysville Elementary School (elementary), rated B+; Ringgold High School (high), rated B-; Ringgold Middle School (middle), rated A-. All sit in Catoosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Spruce Ln, Ringgold, GA compare to other homes in Ringgold 30736?

Among the 15,824 homes in Ringgold 30736, it is worth more than 55% of them ($335,028 against a typical $320,685), its price per square foot is higher than 36% of them ($186 against a typical $198), it is bigger than 62% of them (1,800 ft² against a typical 1,596 ft²), its lot is bigger than 86% of them (3.3 ac against a typical 0.57 ac) and it is newer than 4% of them (1948 against a typical 1994). Measured against all of Catoosa County, it is worth more than 64% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20 Spruce Ln, Ringgold, GA?

The 2025 property tax bill for 20 Spruce Ln, Ringgold, GA was $226. The county assessed it at $65,647.

More homes on Spruce Ln

Closest homes

More homes in Ringgold 30736

Assigned schools

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