20 Split Oak Dr SW, Cartersville, GA 30120 Property Records

Bartow County property record for 20 Split Oak Dr SW, Cartersville, GA 30120

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,955 sqft · built 1994
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$349,900 (Nov 2023)
Tax Bill	$3,353 (2025)
Deeds & Mortgages	Nov 2023 Sale Nov 2023 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C077-0003-025`

Property Details

APN / Parcel Number

Primary APN	`C077-0003-025`
Alternative APNs	`C07700003025` `37251`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,955 sqft Heated Area
1st Floor Area	1,267 sqft
Upper Floors Area	688 sqft
Basement Area	1,267 sqft
Unfinished Basement	1,267 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,928 sqft (0.71 acres)
Porch	Open Porch
Porch Area	176 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	37251
Old Parcel Number	C07700003025
Street Address	20 SPLIT OAK DR SW
City	CARTERSVILLE
State	GA
Zip	30120-7423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 51 MISSION EST PT 2 LL423 D4
Legal Subdivision	MISSION ESTATES
Legal Block	3
Legal Lot Number	51
Jurisdiction	BARTOW GA
Township / Civil Division	CARTERSVILLE
Census Block Group	4
Census Block	4010
Census Tract	960902

Owner

Source: Bartow County records, as of February 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Warranty Deed, Transfer
Nov 14, 2023	Trustee's Deed, Foreclosure · Conventional Mortgage FIRST OPTION MORTGAGE
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2023 · Amount on Record
Deed Sale	Nov 16, 2023 · Amount on Record
Prior Sale	Nov 14, 2023 · Amount on Record
Deed Document Number	2023013733
Deed Book / Page	3599 / 641
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BARTOW GA
Recording Date	Nov 16, 2023
Property Address	20 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7423
Document Number	0035990641
Book / Page	3599 / 641
Instrument Date	Nov 16, 2023
Instrument	2023013733
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7423

November 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BARTOW GA
Recording Date	Nov 14, 2023
Property Address	20 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7423
Document Number	0035980753
Book / Page	3598 / 753
Instrument Date	Nov 14, 2023
Transaction Type	Foreclosure
Record Updated	Jan 16, 2024

Transaction

Amount	Amount Recorded
Tax	$1.95
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7423

Mortgage

Document Number	0035990000000643
Date	Nov 16, 2023
Book Page	0000003599/0000000643
Instrument	2023013734

Lender

Name	FIRST OPTION MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARTOW GA
Property Address	20 SPLIT OAK DR SW, CARTERSVILLE, GA 30120-7423
Document Number	0032410259
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 SPLIT OAK DR SW CARTERSVILLE GA 301207423, CARTERSVILLE, GA 30120-7423

Mortgage

Document Number	0032410259
Date	Oct 14, 2020
Book Page	003241/000259
Instrument	15173

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 13, 2040

Tax Assessment & Valuation

Source: Bartow County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Bartow County
Municipality	Cartersville City
Unified School District	Cartersville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,353.00	$136,552 (-) Land $28,600 Building $107,952	$341,380 (-) Land $71,500 Building $269,880
2024	$3,353.00 (+12.22%)	$136,552 (-5.01%) Land $28,600 Building $107,952	$341,380 (-5.01%) Land $71,500 Building $269,880
2023	$2,988.00 (+6.56%) Homeowner's exemption	$143,760 (+31.26%) Land $28,600 Building $115,160	$359,400 (+31.26%) Land $71,500 Building $287,900
2022	$2,804.00 Homeowner's exemption	$109,522 Land $22,000 Building $87,522	$273,804 Land $55,000 Building $218,804

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 24, 2024 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2025 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 61% of Georgia
Wildfire Likelihood	0.08% 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	BARTOW COUNTY serves 70,243 people · EPA ID GA0150001
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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