Jones County property record for 198 Spruce Ln, Gray, GA 31032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,524 sqft · built 2005 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Nov 2018) |
| Tax Bill | $6,321 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | J45A-062 |
| Primary APN | J45A-062 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,524 sqft Heated Area |
| 1st Floor Area | 2,524 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Type | Mixed |
| Garage Area | 1,414 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 442 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 11799 |
|---|---|
| Street Address | 198 SPRUCE LN |
| City | GRAY |
| State | GA |
| Zip | 31032-5850 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 001 |
| Legal Description | LOT 62 THE PINES PB 15/97 DB 986/284 |
| Legal Subdivision | PINES AT GRAY |
| Legal Phase | 2 |
| Legal Lot Number | 62 |
| Jurisdiction | JONES GA |
| Township / Civil Division | GRAY-MACON EAST |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 30305 |
198 Spruce Ln is owned and occupied by two individuals who bought it in November 2018.
Source: Jones County records, as of January 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 198 SPRUCE LN, GRAY, GA 31032-5850 |
| 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 |
|---|---|
| Jun 18, 2020 | Deed of Trust, Mortgage COLONY BK |
| Nov 13, 2018 | Grant Deed, Transfer · Conventional with PMI PLANTERS FIRST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2018 · Amount on File |
| Deed Sale | Nov 7, 2018 · Amount on File |
| Prior Sale | Apr 2, 2013 · Amount on File |
| Deed Document Number | 20181064 |
| Deed Book / Page | 986 / 284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JONES GA |
| Property Address | 198 SPRUCE LN, GRAY, GA 31032-5850 |
| Document Number | 0010270594 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 198 SPRUCE LN GRAY GA 310325850, GRAY, GA 31032-5850 |
| Document Number | 0010270594 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 001027/000594 |
| Instrument | 1830 |
| Name | COLONY BK |
|---|---|
| Type | Bank |
| Address | WARNER, GA 31088 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 23, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | JONES GA |
| Recording Date | Nov 13, 2018 |
| Property Address | 198 SPRUCE LN, GRAY, GA 31032-5850 |
| Document Number | 0009860284 |
| Book / Page | 000986 / 000284 |
| Instrument Date | Nov 7, 2018 |
| Instrument | 3289 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 198 SPRUCE LN GRAY GA 310325850, GRAY, GA 31032-5850 |
| Document Number | 9860286 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 000986/000286 |
| Instrument | 3290 |
| Name | PLANTERS FIRST BK |
|---|---|
| Address | CORDELE, GA 31015 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 12, 2048 |
The 2025 property tax bill for 198 Spruce Ln was $6,321 with a homeowner's exemption.
Source: Jones County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Jones County |
| Municipality | Gray City |
| Unified School District | Jones County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,321.00 Homeowner's exemption | $152,293 Land $15,340 Building $136,953 | $380,732 Land $38,350 Building $342,382 |
| 2023 | $4,564.00 (-3.14%) Homeowner's exemption | $100,396 (-) Land $11,800 Building $88,596 | $250,990 (-) Land $29,500 Building $221,490 |
| 2022 | $4,712.00 Homeowner's exemption | $100,396 Land $11,800 Building $88,596 | $250,990 Land $29,500 Building $221,490 |
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 198 Spruce Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 13, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 198 Spruce Ln is low, with a 0.05% 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 80% of Georgia |
|---|---|
| Wildfire Likelihood | 0.05% 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 | GRAY serves 9,339 people · EPA ID GA1690000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 12 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Tri-CoGo Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures