189 Gilbert Rd, Elko, GA 31025 Property Records

Houston County property record for 189 Gilbert Rd, Elko, GA 31025

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 3,428 sqft · built 2023
Lot Size	3.47 acres (151,153 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,371 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`37-28`

Property Details

APN / Parcel Number

Primary APN	`37-28`
Alternative APNs	`000370 028000` `68087`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	3,428 sqft Heated Area
2nd Floor Area	477 sqft
Utility Area	24 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	151,153 sqft (3.47 acres)
Garage Area	896 sqft
Porch	Slab
Porch Area	511 sqft
Patio Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	68087
Street Address	189 GILBERT RD
City	ELKO
State	GA
Zip	31025-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	3.47 ACRES LOT 2 LL 282 13 LD
Legal Subdivision	AYERS FARMS INC PB 82 207
Legal Lot Number	2
Jurisdiction	HOUSTON GA
Township / Civil Division	ELKO
Census Block Group	3
Census Block	3002
Census Tract	21502

Owner

Source: Houston County records, as of August 4, 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	189 GILBERT RD, ELKO, GA 31025-2230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Nov 16, 2022	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Aug 28, 2024	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Oct 29, 2021	Limited Warranty Deed, Transfer
Oct 29, 2021	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	189 GILBERT RD, ELKO, GA 31025-2230
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 GILBERT RD, ELKO, GA 31025-2230

Mortgage

Document Number	0107820567
Date	Jan 30, 2026
Book Page	10782/567

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	189 GILBERT RD, ELKO, GA 31025-2230
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099140068
Date	Nov 16, 2022
Book Page	9914/68

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	MAGNOLIA, KY 42757

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	189 GILBERT RD, ELKO, GA 31025-2230
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 GILBERT RD, ELKO, GA 31025-2230

Mortgage

Document Number	0105280198
Date	Aug 28, 2024
Book Page	10528/198

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

October 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HOUSTON GA
Recording Date	Oct 29, 2021
Property Address	189 GILBERT RD, ELKO, GA 31025-2230
Document Number	0094210230
Book / Page	9421 / 230
Map Reference	MB 82 PG 60
Instrument Date	Oct 28, 2021
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount Recorded
Tax	$79.00
Amount Accuracy	Calculated from Transfer Tax
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	100 NEWPORT AVE, KATHLEEN, GA 31047-2885

October 2021: Foreclosure

Document Type	Foreclosure
Jurisdiction	HOUSTON GA
Recording Date	Oct 29, 2021
Property Address	GILBERT RD, ELKO, GA 31025
Document Number	0094210232
Book / Page	9421 / 232
Map Reference	MB 82 PG 60
Instrument Date	Oct 28, 2021
Transaction Type	Foreclosure
Record Updated	Sep 20, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 NEWPORT AVE, KATHLEEN, GA 31047-2885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4810 MERCER UNIVERSITY DR, MACON, GA 31210-5675

Tax Assessment & Valuation

Source: Houston County assessment roll, as of March 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,371.00 (-56.12%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$232,480 (+2.02%) Land $37,440 Building $195,040	$581,200 (+2.02%) Land $93,600 Building $487,600
2024	$5,403.00 (+600.78%) Homeowner's exemption	$227,880 (+613.91%) Land $31,920 Building $195,960	$569,700 (+613.91%) Land $79,800 Building $489,900
2023	$771.00	$31,920 (-) Land $31,920	$79,800 (-) Land $79,800
2022	$771.00	$31,920 Land $31,920	$79,800 Land $79,800

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 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.

Wildfire

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	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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