15 Split Oak Dr SW, Cartersville, GA 30120 Property Records

Bartow County property record for 15 Split Oak Dr SW, Cartersville, GA 30120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,958 sqft · built 1995
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$486,034 (Aug 2025)
Tax Bill	$3,866 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Dec 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C077-0003-030`

Property Details

APN / Parcel Number

Primary APN	`C077-0003-030`
Alternative APNs	`C07700003030` `37256`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,958 sqft Heated Area
1st Floor Area	1,958 sqft
Basement Area	1,196 sqft
Finished Basement	1,196 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	30,492 sqft (0.7 acres)
Garage Area	744 sqft
Porch	Open Porch
Porch Area	96 sqft
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	37256
Old Parcel Number	C07700003030
Street Address	15 SPLIT OAK DR SW
City	CARTERSVILLE
State	GA
Zip	30120-7424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 44 MISSION EST PT 2 LL423 D4
Legal Subdivision	MISSION ESTATES
Legal Block	3
Legal Lot Number	44
Jurisdiction	BARTOW GA
Township / Civil Division	CARTERSVILLE
Census Block Group	4
Census Block	4010
Census Tract	960902

Owner

Source: Bartow County records, as of February 17, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL COMMUNITY BANK
Dec 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL COMMUNITY BANK
Aug 1, 2025	Limited Warranty Deed, Transfer · FHA Mortgage NEWREZ
Aug 6, 2020	Deed of Trust, Mortgage · FHA Mortgage SWBC MTG
Jun 24, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on Record
Deed Sale	Aug 1, 2025 · Amount on Record
Prior Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	D2025009994
Deed Book / Page	3766 / 659
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARTOW GA
Property Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424

Mortgage

Document Number	0035640000000908
Date	Jul 5, 2023
Book Page	0000003564/0000000908
Instrument	D2023007835

Lender

Name	FIRST NATIONAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARTOW GA
Property Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424

Mortgage

Document Number	0036030000000903
Date	Dec 8, 2023
Book Page	0000003603/0000000903
Instrument	2023014524

Lender

Name	FIRST NATIONAL COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Jan 1, 2033

August 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BARTOW GA
Recording Date	Aug 1, 2025
Property Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424
Document Number	0037660659
Book / Page	3766 / 659
Instrument Date	Jul 24, 2025
Instrument	D2025009994
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4.86
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424

Mortgage

Document Number	D2025009995
Date	Aug 1, 2025
Instrument	D2025009995

Lender

Name	NEWREZ

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARTOW GA
Property Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424
Document Number	0032210934
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SPLIT OAK DR SW CARTERSVILLE GA 301207424, CARTERSVILLE, GA 30120-7424

Mortgage

Document Number	0032210934
Date	Aug 18, 2020
Book Page	003221/000934
Instrument	11944

Lender

Name	SWBC MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BARTOW GA
Recording Date	Jun 24, 2019
Property Address	15 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7424
Document Number	0030980800
Book / Page	003098 / 000800
Instrument Date	Jun 14, 2019
Instrument	7736
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SPLIT OAK DR SW CARTERSVILLE GA 301207424, CARTERSVILLE, GA 30120-7424

Mortgage

Document Number	30980802
Date	Jun 24, 2019
Book Page	003098/000802
Instrument	7737

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2049

Tax Assessment & Valuation

Source: Bartow County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Bartow County
Municipality	Cartersville City
Unified School District	Cartersville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,866.00	$157,428 (-) Land $28,600 Building $128,828	$393,571 (-) Land $71,500 Building $322,071
2024	$3,866.00 (+1.68%)	$157,428 (+0.59%) Land $28,600 Building $128,828	$393,571 (+0.59%) Land $71,500 Building $322,071
2023	$3,802.00 (+20.7%)	$156,499 (+31.29%) Land $28,600 Building $127,899	$391,248 (+31.29%) Land $71,500 Building $319,748
2022	$3,150.00	$119,203 Land $22,000 Building $97,203	$298,008 Land $55,000 Building $243,008

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

Source: FEMA National Flood Hazard Layer, effective April 24, 2024 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2025 · 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

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

Wildfire Risk	Moderate above 43% of the US · lower than 61% of Georgia
Wildfire Likelihood	0.08% 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	BARTOW COUNTY serves 70,243 people · EPA ID GA0150001
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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