Athens-Clarke County Unified Government property record for 186 Spruce Valley Rd, Athens, GA 30605
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,032 sqft · built 1968 |
| Lot Size | 0.62 acres (27,044 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $342,500 (Oct 2021) |
| Tax Bill | $4,772 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-3-D3 C-014 |
| Primary APN | 23-3-D3 C-014 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,032 sqft Heated Area |
| Basement Area | 1,073 sqft |
| Unfinished Basement | 1,073 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 27,044 sqft (0.62 acres) |
| Garage Area | 638 sqft |
| Porch | Slab |
| Porch Area | 595 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 23891 |
|---|---|
| Street Address | 186 SPRUCE VALLEY RD |
| City | ATHENS |
| State | GA |
| Zip | 30605-3332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-25 |
| Legal Description | SUBD BLK: D,LOT: 25; |
| Legal Subdivision | RES-BV-033 |
| Legal Block | D |
| Legal Lot Number | 25 |
| Jurisdiction | CLARKE GA |
| Township / Civil Division | ATHENS |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 150701 |
186 Spruce Valley Rd is owned and occupied by two individuals who bought it in October 2021.
Source: Athens-Clarke County Unified Government records, as of July 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 SPRUCE VALLEY RD, ATHENS, GA 30605-3332 |
| 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.
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage ROBINS FINANCIAL CREDIT UNION |
| Oct 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANKSOUTH MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2021 · Amount on File |
| Deed Sale | Oct 27, 2021 · Amount on File |
| Prior Sale | Sep 8, 2006 · Amount on File |
| Deed Document Number | 20214444 |
| Deed Book / Page | 5284 / 342 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLARKE GA |
| Recording Date | May 28, 2026 |
| Property Address | 186 SPRUCE VALLEY RD, ATHENS, GA 30605-3332 |
| Document Number | 5829000216 |
| Book / Page | 5829 / 216 |
| Instrument Date | May 21, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 5829000216, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 5829/216 |
| Name | ROBINS FINANCIAL CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate | 5.58% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLARKE GA |
| Recording Date | Oct 27, 2021 |
| Property Address | 186 SPRUCE VALLEY RD, ATHENS, GA 30605-3332 |
| Document Number | 0052840342 |
| Book / Page | 5284 / 342 |
| Instrument Date | Oct 27, 2021 |
| Instrument | 2021-004444 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 SPRUCE VALLEY RD, ATHENS, GA 30605-3332 |
| Document Number | 0052850000000343 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 0000005285/0000000343 |
| Name | BANKSOUTH MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 186 Spruce Valley Rd was $4,772 with a homeowner's exemption.
Source: Athens-Clarke County Unified Government assessment roll, as of November 13, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County / Consolidated City | Athens-Clarke County Unified Government |
| Unified School District | Clarke County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,772.00 Homeowner's exemption | $172,208 Land $14,000 Building $158,208 | $430,521 Land $35,000 Building $395,521 |
| 2023 | $3,912.00 (-10.48%) Homeowner's exemption | $159,166 (+12.83%) Land $14,000 Building $145,166 | $397,914 (+12.83%) Land $35,000 Building $362,914 |
| 2022 | $4,370.00 | $141,068 Land $14,000 Building $127,068 | $352,671 Land $35,000 Building $317,671 |
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.
FEMA maps place 186 Spruce Valley Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective September 15, 2022 · 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 |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2024 · 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 risk around 186 Spruce Valley Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 82% of Georgia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ATHENS-CLARKE CO WATER SYSTEM serves 125,000 people · EPA ID GA0590000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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