106 Spruce Valley Rd, Athens, GA 30605 Property Records

Athens-Clarke County Unified Government property record for 106 Spruce Valley Rd, Athens, GA 30605

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,903 sqft · built 1968
Lot Size	0.527 acres (22,972 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Jul 2023)
Tax Bill	$3,826 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-3-D3 C-025`

Property Details

APN / Parcel Number

Primary APN	`23-3-D3 C-025`
Alternative APNs	`233D3 C 25` `23902`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,903 sqft Heated Area
1st Floor Area	1,903 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2009
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,972 sqft
Garage Type	Attached
Garage Area	360 sqft
Porch	Open Porch
Porch Area	300 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	23902
Old Parcel Number	233D3 C 25
Street Address	106 SPRUCE VALLEY RD
City	ATHENS
State	GA
Zip	30605-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-25
Legal Description	SUBD BLK: D,LOT: 14;
Legal Subdivision	CEDAR CRK SEC 02
Legal Block	D
Legal Lot Number	14
Jurisdiction	CLARKE GA
Township / Civil Division	ATHENS
Census Block Group	1
Census Block	1015
Census Tract	150701

Owner

106 Spruce Valley Rd is owned and occupied by an individual who bought it in July 2023.

Source: Athens-Clarke County Unified Government records, as of November 12, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	106 SPRUCE VALLEY RD, ATHENS, GA 30605-3332
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING
Sep 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 7, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2023 · Amount on File
Deed Sale	Jul 13, 2023 · Amount on File
Prior Sale	Sep 28, 2016 · Amount on File
Deed Document Number	0005504173
Deed Book / Page	5504 / 173
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARKE GA
Recording Date	Jul 13, 2023
Property Address	106 SPRUCE VALLEY RD, ATHENS, GA 30605-3332
Document Number	0055040173
Book / Page	5504 / 173
Instrument Date	Jun 30, 2023
Transaction Type	Transfer
Record Updated	Aug 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 SPRUCE VALLEY RD, ATHENS, GA 30605-3332

Mortgage

Document Number	0055040000000175
Date	Jul 13, 2023
Book Page	0000005504/0000000175

Lender

Name	NATIONS LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARKE GA
Property Address	106 SPRUCE VALLEY RD, ATHENS, GA 30605-3332
Document Number	0050550451
Instrument Date	Sep 26, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 SPRUCE VALLEY RD ATHENS GA 306053332, ATHENS, GA 30605-3332

Mortgage

Document Number	0050550451
Date	Oct 2, 2020
Book Page	005055/000451

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARKE GA
Property Address	106 SPRUCE VALLEY RD, ATHENS, GA 30605-3332
Document Number	0048730210
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 SPRUCE VALLEY RD ATHENS GA 306053332, ATHENS, GA 30605-3332

Mortgage

Document Number	0048730210
Date	Aug 13, 2019
Book Page	004873/000210

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 106 Spruce Valley Rd was $3,826 with a homeowner's exemption.

Source: Athens-Clarke County Unified Government assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County / Consolidated City	Athens-Clarke County Unified Government
Unified School District	Clarke County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,826.00 Homeowner's exemption	$141,360 Land $14,000 Building $127,360	$353,399 Land $35,000 Building $318,399
2023	$2,199.00 (-18.71%) Homeowner's exemption	$104,373 (+10.08%) Land $14,000 Building $90,373	$260,933 (+10.08%) Land $35,000 Building $225,933
2022	$2,705.00 Homeowner's exemption	$94,817 Land $14,000 Building $80,817	$237,043 Land $35,000 Building $202,043

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 106 Spruce Valley Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective September 15, 2022 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2024 · rainfall accumulation

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

Wildfire risk around 106 Spruce Valley Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 88% of Georgia
Wildfire Likelihood	0.03% 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	ATHENS-CLARKE CO WATER SYSTEM serves 125,000 people · EPA ID GA0590000
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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