274 Ruth Rd, Talking Rock, GA 30175 Property Records

Pickens County property record for 274 Ruth Rd, Talking Rock, GA 30175

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 1995
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Aug 1997)
Tax Bill	$1,257 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`033-029`

Property Details

APN / Parcel Number

Primary APN	`033-029`
Alternative APN	`13050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,594 sqft Heated Area
1st Floor Area	1,594 sqft
Basement Area	797 sqft
Finished Basement	797 sqft
Unfinished Basement	1,594 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	266 sqft
Canopy	390 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	13050
Street Address	274 RUTH RD
City	TALKING ROCK
State	GA
Zip	30175-3538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	DIST12 LL21 2.00AC LT29 PETE MOSS
Legal Subdivision	PETE MOSS MOUNTAIN ESTATES
Legal Lot Number	29
Jurisdiction	PICKENS GA
Township / Civil Division	LUDVILLE
Census Block Group	1
Census Block	1022
Census Tract	50400

Owner

Source: Pickens County records, as of October 20, 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	274 RUTH RD, TALKING ROCK, GA 30175-3538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Line of Credit GEORGIA'S OWN CU
Dec 26, 2019	Deed of Trust, Mortgage · Line of Credit GEORGIA'S OWN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 1997 · Amount on Record
Deed Sale	Aug 15, 1997 · Amount on Record
Prior Sale	Jun 9, 1994
Deed Book / Page	279 / 332
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS GA
Property Address	274 RUTH RD, TALKING ROCK, GA 30175-3538
Document Number	0012030765
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 RUTH RD TALKING ROCK GA 301753538, TALKING ROCK, GA 30175-3538

Mortgage

Document Number	0012030765
Date	Dec 31, 2019
Book Page	001203/000765

Lender

Name	GEORGIA'S OWN CU
Type	Credit Union
Address	ATLANTA, GA 30348

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	204 Months
Due	Dec 30, 2036

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS GA
Property Address	274 RUTH RD, TALKING ROCK, GA 30175-3538
Document Number	0012050242
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 RUTH RD TALKING ROCK GA 301753538, TALKING ROCK, GA 30175-3538

Mortgage

Document Number	0012050242
Date	Jan 21, 2020
Book Page	001205/000242

Lender

Name	GEORGIA'S OWN CU
Type	Credit Union
Address	ATLANTA, GA 30348

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 20, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Pickens County assessment roll, as of December 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$127,588 (+%) Land $8,800 Building $118,788	$318,968 (-) Land $22,000 Building $296,968
2025	$1,257.00 (-10.21%) Homeowner's exemption	$127,587 (+72.78%) Land $8,800 Building $118,787	$318,968 (+72.78%) Land $22,000 Building $296,968
2023	$1,400.00 (-6.73%) Homeowner's exemption	$73,842 (-) Land $8,800 Building $65,042	$184,606 (-) Land $22,000 Building $162,606
2022	$1,501.00 Homeowner's exemption	$73,842 Land $8,800 Building $65,042	$184,606 Land $22,000 Building $162,606

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 July 1, 2021

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 62% of the US · above 91% of Georgia
Wildfire Likelihood	0.2% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ETC Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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