190 Terrell Rd, Elko, GA 31025 Property Records

Houston County property record for 190 Terrell Rd, Elko, GA 31025

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,202 sqft · built 1993
Lot Size	7.38 acres (321,473 sqft)
Owner	2 Company Names on Record
Last Sale	$245,000 (Apr 2018)
Tax Bill	$3,627 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2026 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`63-41`

Property Details

APN / Parcel Number

Primary APN	`63-41`
Alternative APNs	`000630 041000` `43991`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,202 sqft Heated Area
1st Floor Area	1,471 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	321,473 sqft (7.38 acres)
Garage Area	573 sqft

Exterior Amenities

Pool Area	774 sqft
Porch	Slab
Porch Area	594 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43991
Street Address	190 TERRELL RD
City	ELKO
State	GA
Zip	31025-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	PT PARCEL C-5 7.389 ACRES LL 220 & 243 13TH
Legal Subdivision	SEWELL PYLES ROAD SUBDIVISION
Jurisdiction	HOUSTON GA
Township / Civil Division	ELKO
Census Block Group	3
Census Block	3038
Census Tract	21502

Owner

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 Company Names on Record
Mailing Address	190 TERRELL RD, ELKO, GA 31025-2226
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit ROBINS FINANCIAL CU
Jan 29, 2026	Intrafamily Transfer, Transfer
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit ROBINS FINANCIAL CU
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit ROBINS FINANCIAL CU
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROBINS FINANCIAL CU
Apr 25, 2018	Warranty Deed, Transfer · Conventional Mortgage ROBINS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2018 · Amount on Record
Deed Sale	Apr 25, 2018 · Amount on Record
Prior Sale	Aug 6, 2008 · Amount on Record
Deed Book / Page	7828 / 45
Last Transfer Date	Jan 23, 2026
Transfer Doc	0107820165
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	190 TERRELL RD, ELKO, GA 31025-2226
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099520319
Date	Dec 27, 2022
Book Page	9952/319

Lender

Name	ROBINS FINANCIAL CU
Type	Credit Union
Address	WARNER ROBINS, GA 31095

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOUSTON GA
Recording Date	Jan 29, 2026
Property Address	190 TERRELL RD, ELKO, GA 31025-2226
Document Number	0107820165
Book / Page	10782 / 165
Map Reference	MB 34 PG 79
Instrument Date	Jan 23, 2026
Transaction Type	Transfer
Record Updated	Feb 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	190 TERRELL RD, ELKO, GA 31025-2226

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	190 TERRELL RD, ELKO, GA 31025-2226
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0101540037
Date	Aug 1, 2023
Book Page	10154/37

Lender

Name	ROBINS FINANCIAL CU
Type	Credit Union
Address	WARNER ROBINS, GA 31095

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 25, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	190 TERRELL RD, ELKO, GA 31025-2226
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099520319
Date	Dec 27, 2022
Book Page	9952/319

Lender

Name	ROBINS FINANCIAL CU
Type	Credit Union
Address	WARNER ROBINS, GA 31095

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	190 TERRELL RD, ELKO, GA 31025-2226
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0086110261
Date	May 27, 2020
Book Page	8611/261

Lender

Name	ROBINS FINANCIAL CU
Type	Credit Union
Address	WARNER ROBINS, GA 31093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2030

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOUSTON GA
Recording Date	Apr 25, 2018
Property Address	190 TERRELL RD, ELKO, GA 31025-2226
Document Number	0078280045
Book / Page	7828 / 045
Map Reference	MB 34 PG 79
Instrument Date	Apr 24, 2018
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	NON AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Rounded by County
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

Mortgage

Document Number	7828046
Date	Apr 25, 2018
Instrument	7828/046

Lender

Name	ROBINS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2033

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	$3,627.00 (-8.75%) Homeowner's exemption Senior Citizen's exemption	$169,640 (+2.07%) Land $48,920 Building $120,720	$424,100 (+2.07%) Land $122,300 Building $301,800
2024	$3,975.00 (+28.06%)	$166,200 (+29.4%) Land $48,920 Building $117,280	$415,500 (+29.4%) Land $122,300 Building $293,200
2023	$3,104.00	$128,440 Land $31,040 Building $97,400	$321,100 Land $77,600 Building $243,500

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 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	Moderate above 44% of the US · above 42% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Sparklight Fiber · Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Terrell Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures