272 Ridge Ln, Lula, GA 30554 Property Records

Banks County property record for 272 Ridge Ln, Lula, GA 30554

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,078 sqft · built 2001
Lot Size	3.77 acres (164,221 sqft)
Owner	Individual Name on Record
Last Sale	$372,500 (Dec 2020)
Tax Bill	$2,937 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B06E044`

Property Details

APN / Parcel Number

Primary APN	`B06E044`
Alternative APN	`3328`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,078 sqft Heated Area
1st Floor Area	1,610 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	164,221 sqft (3.77 acres)
Garage Type	Mixed
Garage Area	1,120 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	481 sqft
Deck Area	400 sqft
Patio Area	400 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	3328
Street Address	272 RIDGE LN
City	LULA
State	GA
Zip	30554-3655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	PH 1 LT 12 PB12-47
Legal Subdivision	HUDSON RIVER FALLS - 00611
Legal Phase	1
Legal Lot Number	12
Jurisdiction	BANKS GA
Township / Civil Division	BALDWIN
Census Block Group	4
Census Block	4027
Census Tract	970100

Owner

Source: Banks County records, as of November 13, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	272 RIDGE LN, LULA, GA 30554-3655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMESTAR FINANCIAL
Dec 16, 2020	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL
Dec 16, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Dec 16, 2020 · Amount on Record
Deed Document Number	0000494511
Deed Book / Page	494 / 511
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	272 RIDGE LN, LULA, GA 30554-3655
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 RIDGE LN, LULA, GA 30554-3655

Mortgage

Document Number	0000000496/0000000687
Date	Jan 25, 2021
Book Page	0000000496/0000000687

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Dec 16, 2020
Property Address	272 RIDGE LN, LULA, GA 30554-3655
Document Number	000494/511
Book / Page	494 / 511
Instrument Date	Dec 16, 2020
Instrument	2020-001067
Transaction Type	Transfer
Record Updated	Jan 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 RIDGE LN, LULA, GA 30554-3655

Mortgage

Document Number	0000000494/0000000515
Date	Dec 18, 2020
Book Page	0000000494/0000000515

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Dec 16, 2020
Property Address	272 RIDGE LN, LULA, GA 30554-3655
Document Number	000494/513
Book / Page	494 / 513
Instrument Date	Dec 16, 2020
Instrument	2020-001069
Transaction Type	Transfer
Record Updated	Jan 31, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 RIDGE LN, LULA, GA 30554-3655

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,937.00 (-3.32%) Homeowner's exemption	$162,802 (+4.23%) Land $21,604 Building $141,198	$407,003 (+4.23%) Land $54,009 Building $352,994
2024	$3,038.00 (+25.18%) Homeowner's exemption	$156,189 (+12.14%) Land $19,640 Building $136,549	$390,472 (+12.14%) Land $49,099 Building $341,373
2023	$2,427.00 (-1.66%) Homeowner's exemption	$139,284 (+16.56%) Land $18,599 Building $120,685	$348,209 (+16.56%) Land $46,497 Building $301,712
2022	$2,468.00 Homeowner's exemption	$119,494 Land $13,997 Building $105,497	$298,735 Land $34,993 Building $263,742

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 December 17, 2010

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

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

Wildfire Risk	Moderate above 48% of the US · above 58% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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