Preferred lender incentives include 1% of the loan amount toward closing costs or a rate buy-down! Welcome to 195 Mallard Hill in the charming Meadows subdivision of Ringgold, GA. This spacious 5-bedroom, 3-bath home offers 2,777 square feet of living space and is zoned for award-winning Ringgold schools: Ringgold Elementary, Ringgold Middle, and Ringgold High. Step inside to find open, airy living spaces bathed in natural light. The impressive great room boasts soaring cathedral ceilings, while the oversized dining room offers the perfect setting for holiday dinners, lively gatherings, or quiet family meals. The kitchen is both functional and inviting, featuring an island, stainless steel appliances, a cozy breakfast area, and freshly painted cabinets with a brand-new backsplash just installed, giving the space a bright, updated look. On the main level, the primary suite serves as a true retreat with a spa-style bath, double vanities, a jetted soaking tub, and a walk-in shower. A second main-level bedroom and full bath provide flexibility for guests, an office, or multi-generational living. Upstairs, you'll find three spacious bedrooms and another full bath, offering plenty of room for family or visitors. Hardwood flooring runs throughout the main living areas, with plush carpet in the bedrooms for added comfort. Recent upgrades include a new roof (2023) and new windows (2020), giving you peace of mind for years to come. Out back, enjoy the oversized deck overlooking your private yard perfect for morning coffee, grilling out, or simply relaxing at home. Located just minutes from Publix, downtown Ringgold, and outdoor favorites like Elsie Holmes Nature Park, Jack Mattox Park, and the Chickamauga & Chattanooga National Military Park, this home combines small-town charm with easy access to I-75 and downtown Chattanooga in under 25 minutes. Beautifully maintained, thoughtfully updated, and ideally located, 195 Mallard Hill truly has it all!