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Single Family ResidenceResidential
$177,093$211 / 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 79How 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 $98,000 on Feb 22, 2001

98 SPENCER ST

RINGGOLD, GA 30736
1
Baths
840 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.
1.75 ac
Lot SizeThe size of the land the home sits on, from county records.
1942
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$177K
$139K low$215K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$98,000 · Feb 22, 2001
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.$88,151
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$70,521
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.50%
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.$88,942
PHH MORTGAGE SERVICES CORP · R · recorded Dec 27, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$663 (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.$52,194 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,167
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$33,027
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,665
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$130,485

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.26 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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.1972
Lot (acres)The size of the land the home sits on, from county records.1.75
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 304 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 · 1.0 mi
H
Ringgold High SchoolB-
High · Grades 9–12 · 3.8 mi
M
Ringgold Middle SchoolA-
Middle · Grades 6–8 · 4.0 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

98 Spencer St 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 less than 93% of homes in Ringgold 30736
  • Costs more per square foot than 71% of homes in Catoosa County
  • Smaller than 98% of homes in Ringgold 30736
  • Has a bigger lot than 83% 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
$117K$785K

This home is worth more than 7% 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$177,093
CheaperTypical $320,421Pricier

Pricier than 7% of homes nearby

Price per ft²$211
CheaperTypical $199Pricier

Pricier than 65% of homes nearby

Living area840 ft²
SmallerTypical 1,598 ft²Bigger

Bigger than 2% of homes nearby

Lot size1.75 ac
SmallerTypical 0.58 acBigger

Bigger than 78% of homes nearby

Year built1942
OlderTypical 1994Newer

Newer than 4% of homes nearby

How 98 Spencer St ranks against every home in each area.
MeasureThis homeRinggold 30736Catoosa County
Estimated valuepricier than$177,0937% of homes12% of homes
Price per ft²pricier than$21165% of homes71% of homes
Living areabigger than840 ft²2% of homes3% of homes
Lot sizebigger than1.75 ac78% of homes83% of homes
Year builtnewer than19424% of homes4% of homes

About 98 Spencer St

How much is 98 Spencer St, Ringgold, GA worth?

The TopHap Estimate for 98 Spencer St, Ringgold, GA is $177,093 as of Jul 14, 2026. The likely range is $139,356 to $214,830. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 98 Spencer St, Ringgold, GA last sell?

98 Spencer St, Ringgold, GA last sold on Feb 22, 2001 for $98,000, according to the county's recorded deed.

How big is 98 Spencer St, Ringgold, GA?

98 Spencer St, Ringgold, GA has 1 bathrooms, 840 square feet of living space and a 1.75-acre lot.

When was 98 Spencer St, Ringgold, GA built?

98 Spencer St, Ringgold, GA was built in 1942, making it 84 years old. The building has 1 story.

What schools serve 98 Spencer St, Ringgold, GA?

98 Spencer St, 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 98 Spencer St, Ringgold, GA compare to other homes in Ringgold 30736?

Among the 15,824 homes in Ringgold 30736, it is worth more than 7% of them ($177,093 against a typical $320,421), its price per square foot is higher than 65% of them ($211 against a typical $199), it is bigger than 2% of them (840 ft² against a typical 1,598 ft²), its lot is bigger than 78% of them (1.75 ac against a typical 0.58 ac) and it is newer than 4% of them (1942 against a typical 1994). Measured against all of Catoosa County, it is worth more than 12% 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 98 Spencer St, Ringgold, GA?

The 2025 property tax bill for 98 Spencer St, Ringgold, GA was $663. The county assessed it at $52,194.

More homes on Spencer St

Closest homes

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Assigned schools

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