1190 Cochran Rd, Madison, GA 30650 Property Records

Morgan County property record for 1190 Cochran Rd, Madison, GA 30650

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,960 sqft · built 2020
Lot Size	5.31 acres (231,304 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Jun 2021)
Tax Bill	$3,756 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061 046 AB`

Property Details

APN / Parcel Number

Primary APN	`061 046 AB`
Alternative APN	`13410`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,960 sqft Heated Area
1st Floor Area	716 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	231,304 sqft (5.31 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	192 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	13410
Street Address	1190 COCHRAN RD
City	MADISON
State	GA
Zip	30650-5684
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	5.309 AC/TRACT 2
Legal Subdivision	RURAL LOT 3 - 6 ACRES
Legal Tract	2
Jurisdiction	MORGAN GA
Township / Civil Division	BUCKHEAD
Census Block Group	2
Census Block	2070
Census Tract	10400

Owner

1190 Cochran Rd is owned and occupied by two individuals who bought it in June 2021.

Source: Morgan County records, as of June 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1190 COCHRAN RD, MADISON, GA 30650-5684
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
May 13, 2026	Deed of Trust, Mortgage NAVY FEDERAL CREDIT UNION
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on File
Deed Sale	Jun 1, 2021 · Amount on File
Deed Document Number	2021633
Deed Book / Page	673 / 5
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN GA
Recording Date	May 13, 2026
Property Address	1190 COCHRAN RD, MADISON, GA 30650-5684
Document Number	0000000765/0000000015
Book / Page	765 / 15
Instrument Date	May 12, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 COCHRAN RD, MADISON, GA 30650-5684

Mortgage

Document Number	0765000015,
Date	May 13, 2026
Book Page	765/15

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	480 Months
Due	May 1, 2066

Interest

Rate	6.3%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN GA
Property Address	1190 COCHRAN RD, MADISON, GA 30650-5684
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	COCHRAN RD

Mortgage

Document Number	0000000685/0000000558
Date	Dec 8, 2021
Book Page	0000000685/0000000558

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN GA
Recording Date	Jun 1, 2021
Property Address	1190 COCHRAN RD, MADISON, GA 30650-5684
Document Number	00000673/5
Book / Page	673 / 5
Instrument Date	Jun 1, 2021
Instrument	2021-000633
Transaction Type	Transfer
Record Updated	Apr 11, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 COCHRAN RD, MADISON, GA 30650-5684

Mortgage

Document Number	0000000673/0000000007
Date	Jun 3, 2021
Book Page	0000000673/0000000007

Lender

Name	EVERETT FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1190 Cochran Rd was $3,756 with a homeowner's exemption.

Source: Morgan County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,756.00 Homeowner's exemption	$195,146 Land $30,798 Building $164,348	$487,864 Land $76,995 Building $410,869
2023	$3,649.00 (+5.13%) Homeowner's exemption	$157,279 (+10.81%) Land $34,324 Building $122,955	$393,197 (+10.81%) Land $85,810 Building $307,387
2022	$3,471.00 Homeowner's exemption	$141,931 Land $25,743 Building $116,188	$354,826 Land $64,357 Building $290,469

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 1190 Cochran Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 26, 2023 · 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

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 1190 Cochran Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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