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110 Pine St, Elko, GA 31025 Property Records

Houston County property record for 110 Pine St, Elko, GA 31025

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,870 sqft · built 1900
Lot Size0.339 acres (14,810 sqft)
Owner2 Individual Names on File
Last Sale$150,000 (Oct 2020)
Tax Bill$1,502 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Apr 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN65A-11

Property Details

APN / Parcel Number

Primary APN65A-11
Alternative APNs
  • 00065A 011000
  • 30968

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,870 sqft Heated Area
1st Floor Area1,870 sqft
FlooringSoftwood
Interior WallsWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 2009
Architectural StyleOther
Exterior MaterialVinyl
Foundation TypePier/Post & Beam
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area14,810 sqft (0.339 acres)
TerrainRolling
Garage Area672 sqft
PorchEnclosed Porch
Porch Area656 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemHVAC
Water SourceWell

Location & Zoning

Account Number30968
Street Address110 PINE ST
CityELKO
StateGA
Zip31025-2244
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRAG
Legal DescriptionLOT 213 BLK 21 ELKO 204/13TH
Legal SubdivisionTOWN/ELKO
Legal Block21
Legal Lot Number213
JurisdictionHOUSTON GA
Township / Civil DivisionELKO
Census Block Group2
Census Block2102
Census Tract21502

Owner

Source: Houston County records · APN 65A-11

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address110 PINE ST, ELKO, GA 31025-2244
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 23, 2020Warranty Deed, Transfer · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Apr 17, 2019Deed of Trust, Mortgage · FHA Mortgage
CARDINAL FIN'L

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 28, 2020 · Amount on Record
Deed SaleOct 28, 2020 · Amount on Record
Deed Document Number0008930338
Record UpdatedJun 08, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHOUSTON GA
Recording DateDec 23, 2020
Property Address110 PINE ST, ELKO, GA 31025-2244
Document Number0089300338
Book / Page8930 / 338
Map ReferenceMB 1 PG 254
Instrument DateOct 28, 2020
Transaction TypeTransfer
Record UpdatedMar 07, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$150.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address395 PERRY PKWY # PKWYN7, PKWYN7, PERRY, GA 31069-9479

Transferred To (Grantee/Buyer)

NameVerified Name
Address110 PINE ST, ELKO, GA 31025-2244

Mortgage

Document Number0008930340
DateDec 23, 2020
Instrument8930/340
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueNov 01, 2050

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHOUSTON GA
Property Address110 PINE ST, ELKO, GA 31025-2244
Document Number0081670060
Instrument DateApr 17, 2019
Transaction TypeMortgage
Record UpdatedMay 15, 2019
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address110 PINE ST ELKO GA 31025, ELKO, GA 31025

Mortgage

Document Number0081670060
DateMay 02, 2019
Book Page008167/000060
Lender
NameCARDINAL FIN'L
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2034

Tax Assessment & Valuation

Source: Houston County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateGeorgia
CountyHouston County
Unified School DistrictHouston County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,502.00 (+13.62%)$68,760 (+25.66%) Land $3,200 Building $65,560$171,900 (+25.66%) Land $8,000 Building $163,900
2023$1,322.00$54,720 Land $2,040 Building $52,680$136,800 Land $5,100 Building $131,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Houston County (13153C), updated April 18, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 131530215022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
lower than 62% of the US · lower than 82% of Georgia
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 28 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000
Uniti Group
DSL		200 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemHOUSTON COUNTY-HENDERSON
serves 1,253 people
Water SourceGroundwater
Last State InspectionMay 2025
Also Mapped HereHOUSTON COUNTY-FEAGIN MILL
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.

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