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Single Family ResidenceResidential
$598,395$221 / 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 94How 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

432 WATERS DR

RINGGOLD, GA 30736
4 / 1
Baths
2,713 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.
9.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$598K
$560K low$637K high
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.$242,395
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$193,916
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.57%
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.$356,000
AFMC MORTGAGE · recorded Nov 18, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,188 (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.$273,226 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$44,792
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$228,434
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$250,874
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$683,065

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.115 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
Lot (acres)The size of the land the home sits on, from county records.9.14
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.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Flood Plain/Flood Zone
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 330 ft²

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

E
Woodstation Elementary SchoolB-
Elementary · Grades PK–5 · 2.9 mi
M
Heritage Middle SchoolA-
Middle · Grades 6–8 · 5.2 mi
H
Heritage High SchoolB
High · Grades 9–12 · 5.5 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.Absentee owner
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

432 Waters Dr 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.

  • Worth more than 95% of homes in Catoosa County
  • Costs more per square foot than 79% of homes in Catoosa County
  • Bigger than 92% of homes in Catoosa County
  • Has a bigger lot than 96% of homes in Catoosa County
  • Newer than 97% 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
$125K$837K

This home is worth more than 93% 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$598,395
CheaperTypical $320,571Pricier

Pricier than 93% of homes nearby

Price per ft²$221
CheaperTypical $198Pricier

Pricier than 74% of homes nearby

Living area2,713 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 90% of homes nearby

Lot size9.14 ac
SmallerTypical 0.57 acBigger

Bigger than 95% of homes nearby

Year built2022
OlderTypical 1994Newer

Newer than 97% of homes nearby

How 432 Waters Dr ranks against every home in each area.
MeasureThis homeRinggold 30736Catoosa County
Estimated valuepricier than$598,39593% of homes95% of homes
Price per ft²pricier than$22174% of homes79% of homes
Living areabigger than2,713 ft²90% of homes92% of homes
Lot sizebigger than9.14 ac95% of homes96% of homes
Year builtnewer than202297% of homes97% of homes

About 432 Waters Dr

How much is 432 Waters Dr, Ringgold, GA worth?

The TopHap Estimate for 432 Waters Dr, Ringgold, GA is $598,395 as of Jul 14, 2026. The likely range is $559,901 to $636,889. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 432 Waters Dr, Ringgold, GA last sell?

432 Waters Dr, Ringgold, GA last sold on Dec 21, 2021, according to the county's recorded deed.

How big is 432 Waters Dr, Ringgold, GA?

432 Waters Dr, Ringgold, GA has 4 bathrooms, 2,713 square feet of living space and a 9.14-acre lot.

When was 432 Waters Dr, Ringgold, GA built?

432 Waters Dr, Ringgold, GA was built in 2022, making it 4 years old. The building has 2 stories.

What schools serve 432 Waters Dr, Ringgold, GA?

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

How does 432 Waters Dr, Ringgold, GA compare to other homes in Ringgold 30736?

Among the 15,824 homes in Ringgold 30736, it is worth more than 93% of them ($598,395 against a typical $320,571), its price per square foot is higher than 74% of them ($221 against a typical $198), it is bigger than 90% of them (2,713 ft² against a typical 1,600 ft²), its lot is bigger than 95% of them (9.14 ac against a typical 0.57 ac) and it is newer than 97% of them (2022 against a typical 1994). Measured against all of Catoosa County, it is worth more than 95% 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 432 Waters Dr, Ringgold, GA?

The 2025 property tax bill for 432 Waters Dr, Ringgold, GA was $5,188. The county assessed it at $273,226.

Closest homes

More homes in Ringgold 30736

Assigned schools

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