185 Locust Ln, Morganton, GA 30560 Property Records

Fannin County property record for 185 Locust Ln, Morganton, GA 30560

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,520 sqft · built 2016
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Apr 2022)
Tax Bill	$1,731 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0007 31E27`

Property Details

APN / Parcel Number

Primary APN	`0007 31E27`
Alternative APN	`21216`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,520 sqft Heated Area
1st Floor Area	1,176 sqft
Attic	Attic
Attic Area	448 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Unfinished Basement	896 sqft
Flooring	Hardwood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	82,764 sqft (1.9 acres)
Terrain	Rolling
View / Lot	Corner
Garage Type	Carport
Garage Area	256 sqft
Carport	Carport
Carport Area	256 sqft
Porch	Slab
Porch Area	792 sqft
Deck Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	21216
Street Address	185 LOCUST LN
City	MORGANTON
State	GA
Zip	30560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	8-1 LL202,230,231 LT1 DB1367-650* 1.90 AC
Legal Subdivision	TIMBER FORREST RIDGE
Legal Lot Number	1
Jurisdiction	FANNIN GA
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1043
Census Tract	50500

Owner

185 Locust Ln is owned by two individuals who bought it in April 2022.

Source: Fannin County records, as of April 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	216 MIDDLE CREEK PARK AVE, APEX, NC 27539-4192
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
Apr 20, 2022	Warranty Deed, Transfer · Conventional Mortgage VICTORIAN FINANCE
Aug 27, 2020	Warranty Deed, Transfer · VA Mortgage SHELTER HOME MORTGAGE
Jan 23, 2017	Warranty Deed, Transfer · FHA Mortgage PRIMARY CAPITAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2022 · Amount on File
Deed Sale	Apr 21, 2022 · Amount on File
Prior Sale	Aug 27, 2020 · Amount on File
Deed Document Number	20221379
Deed Book / Page	1500 / 182
Prior Transfer Date	Aug 9, 2006
Prior Transfer Doc	0000002792
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN GA
Recording Date	Apr 20, 2022
Property Address	185 LOCUST LN, MORGANTON, GA 30560
Document Number	001500/182
Book / Page	1500 / 182
Instrument Date	Apr 20, 2022
Instrument	2022-001379
Transaction Type	Transfer
Record Updated	Mar 3, 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	216 MIDDLE CREEK PARK AVE, APEX, NC 27539-4192

Mortgage

Document Number	0000001500/0000000184
Date	Apr 21, 2022
Book Page	0000001500/0000000184
Instrument	002749970011

Lender

Name	VICTORIAN FINANCE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN GA
Recording Date	Aug 27, 2020
Property Address	185 LOCUST LN, MORGANTON, GA 30560
Document Number	001367/650
Book / Page	1367 / 650
Instrument Date	Aug 27, 2020
Instrument	2020-002065
Transaction Type	Transfer
Record Updated	Mar 3, 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	PO BOX 458, WOODSTOCK, GA 30188-0458

Mortgage

Document Number	0000001367/0000000652
Date	Aug 31, 2020
Book Page	0000001367/0000000652

Lender

Name	SHELTER HOME MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN GA
Recording Date	Jan 23, 2017
Property Address	185 LOCUST LN, MORGANTON, GA 30560
Document Number	0001196/66
Book / Page	1196 / 66
Instrument Date	Jan 23, 2017
Instrument	2017-000153
Transaction Type	Transfer
Record Updated	May 16, 2022

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	PO BOX 406, MORGANTON, GA 30560-0406

Mortgage

Document Number	0001196/68
Date	Jan 30, 2017
Book Page	1196/68
Instrument	2142940014

Lender

Name	PRIMARY CAPITAL
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 185 Locust Ln was $1,731.

Source: Fannin County assessment roll, as of January 21, 2026

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	$1,731.00	$190,808 Land $5,800 Building $185,008	$477,020 Land $14,500 Building $462,520
2023		$154,054 Land $5,800 Building $148,254	$385,135 Land $14,500 Building $370,635
2022	$1,737.00

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 185 Locust Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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
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

Wildfire risk around 185 Locust Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 74% of Georgia
Wildfire Likelihood	0.1% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: TDS Telecom.

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