Houston County property record for 188 Gilbert Rd, Elko, GA 31025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,078 sqft · built 2020 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $639,000 (Mar 2023) |
| Tax Bill | $2,247 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-24 |
| Primary APN | 37-24 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,078 sqft Heated Area |
| 1st Floor Area | 2,055 sqft |
| 2nd Floor Area | 1,023 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 261,360 sqft (6 acres) |
| Garage Area | 975 sqft |
| Porch | Slab |
| Porch Area | 522 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 67971 |
|---|---|
| Street Address | 188 GILBERT RD |
| City | ELKO |
| State | GA |
| Zip | 31025-2210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RAG |
| Legal Description | 6.00 ACRES TRACT C LL 282 13 LD |
| Legal Tract | C |
| Jurisdiction | HOUSTON GA |
| Township / Civil Division | ELKO |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 21502 |
Source: Houston County records, as of March 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 188 GILBERT RD, ELKO, GA 31025-2210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Mar 13, 2023 | Limited Warranty Deed, Transfer · VA Mortgage M SQUARED FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2023 · Amount on Record |
| Deed Sale | Mar 13, 2023 · Amount on Record |
| Deed Book / Page | 10016 / 240 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON GA |
| Property Address | 188 GILBERT RD, ELKO, GA 31025-2210 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0091330112 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 9133/112 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | SPRING, TX 77380 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 30, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | HOUSTON GA |
| Recording Date | Mar 13, 2023 |
| Property Address | 188 GILBERT RD, ELKO, GA 31025-2210 |
| Document Number | 0100160240 |
| Book / Page | 10016 / 240 |
| Map Reference | MB 81 PG 224 |
| Instrument Date | Mar 10, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $639.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 188 GILBERT RD, ELKO, GA 31025-2210 |
| Document Number | 0010016242 |
|---|---|
| Date | Mar 13, 2023 |
| Instrument | 10016/242 |
| Name | M SQUARED FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
Source: Houston County assessment roll, as of March 9, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Houston County |
| Unified School District | Houston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,247.00 (-57.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $225,120 (+0.41%) Land $41,760 Building $183,360 | $562,800 (+0.41%) Land $104,400 Building $458,400 |
| 2024 | $5,315.00 (+25.8%) Homeowner's exemption | $224,200 (+28.23%) Land $41,760 Building $182,440 | $560,500 (+28.23%) Land $104,400 Building $456,100 |
| 2023 | $4,225.00 | $174,840 Land $25,920 Building $148,920 | $437,100 Land $64,800 Building $372,300 |
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.
Source: FEMA National Flood Hazard Layer, effective April 18, 2018 · 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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.05% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOUSTON COUNTY-FEAGIN MILL serves 92,971 people · EPA ID GA1530021 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
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