178 Thomas Mountain Rd, Morganton, GA 30560 Property Records

Fannin County property record for 178 Thomas Mountain Rd, Morganton, GA 30560

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,512 sqft · built 2018
Lot Size	12 acres (522,720 sqft)
Owner	Individual Name on Record
Tax Bill	$1,364 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0012 04604`

Property Details

APN / Parcel Number

Primary APN	`0012 04604`
Alternative APN	`30637`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,512 sqft Heated Area
1st Floor Area	1,512 sqft
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	522,720 sqft (12 acres)
Terrain	Rolling
Garage Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	502 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	30637
Street Address	178 THOMAS MOUNTAIN RD
City	MORGANTON
State	GA
Zip	30560-2997
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL
Legal Description	8-1 LL206,207 P/O TR B1 DB1239-605 12.00 ACS
Legal Subdivision	B-1
Legal Tract	B1
Jurisdiction	FANNIN GA
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1001
Census Tract	50500

Owner

Source: Fannin County records, as of January 19, 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
Mailing Address	178 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT COM
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage LGE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2018
Deed Sale	Jan 29, 2018
Deed Document Number	0001239605
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	178 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2997
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2997

Mortgage

Document Number	0000001668/0000000781
Date	Sep 26, 2025
Book Page	0000001668/0000000781

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	178 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2997
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2997

Mortgage

Document Number	0000001413/0000000252
Date	Mar 17, 2021
Book Page	0000001413/0000000252

Lender

Name	LOAN DEPOT COM

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	178 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2997
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2997

Mortgage

Document Number	0000001318/0000000628
Date	Nov 7, 2019
Book Page	0000001318/0000000628

Lender

Name	LGE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,364.00 (-44.28%) Homeowner's exemption	$205,536 (+18.67%) Land $29,574 Building $175,962	$513,840 (+18.67%) Land $73,936 Building $439,904
2023		$173,196 (-0.83%) Land $29,574 Building $143,622	$432,991 (-0.83%) Land $73,936 Building $359,055
2022	$2,448.00 Homeowner's exemption	$174,648 Land $29,574 Building $145,074	$436,622 Land $73,936 Building $362,686

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Apr 2025

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 56% of the US · above 82% of Georgia
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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