Houston County property record for 278 Terrell Rd, Elko, GA 31025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,272 sqft · built 2003 |
| Lot Size | 5.51 acres (240,016 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $22,500 (Mar 2002) |
| Tax Bill | $2,691 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-18 |
| Primary APN | 64-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,272 sqft Heated Area |
| 1st Floor Area | 3,272 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 240,016 sqft (5.51 acres) |
| Porch | Slab |
| Porch Area | 1,012 sqft |
| Patio Area | 840 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 44053 |
|---|---|
| Street Address | 278 TERRELL RD |
| City | ELKO |
| State | GA |
| Zip | 31025-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RAG |
| Legal Description | 5.513 ACRES LL 219 13TH LD |
| Legal Subdivision | JEFFREY TERRELL |
| Legal Tract | 2 |
| Jurisdiction | HOUSTON GA |
| Township / Civil Division | ELKO |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 21502 |
278 Terrell Rd is owned and occupied by two individuals who acquired it in November 2006.
Source: Houston County records, as of March 9, 2026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 278 TERRELL RD, ELKO, GA 31025-2203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2002 · Amount on File |
| Deed Sale | Mar 4, 2002 · Amount on File |
| Prior Sale | Nov 20, 1992 · Amount on File |
| Deed Book / Page | 2036 / 77 |
| Last Transfer Date | Nov 13, 2006 |
| Transfer Doc | 0040790102 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON GA |
| Property Address | 278 TERRELL RD, ELKO, GA 31025-2203 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0077640156 |
|---|---|
| Date | Feb 20, 2018 |
| Book Page | 7764/156 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30328 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 2, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 278 Terrell Rd was $2,691 with a homeowner's exemption, down 6.1% from the year before.
Source: Houston County assessment roll, as of March 9, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Houston County |
| Unified School District | Houston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,691.00 (-6.11%) Homeowner's exemption | $125,600 (+3.09%) Land $31,160 Building $94,440 | $314,000 (+3.09%) Land $77,900 Building $236,100 |
| 2024 | $2,866.00 (+28.58%) Homeowner's exemption | $121,840 (+29.29%) Land $31,160 Building $90,680 | $304,600 (+29.29%) Land $77,900 Building $226,700 |
| 2023 | $2,229.00 (+4.11%) Homeowner's exemption | $94,240 (+6.37%) Land $19,200 Building $75,040 | $235,600 (+6.37%) Land $48,000 Building $187,600 |
| 2022 | $2,141.00 Homeowner's exemption | $88,600 Land $19,200 Building $69,400 | $221,500 Land $48,000 Building $173,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 278 Terrell Rd in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 278 Terrell Rd is low, with a 0.06% 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 82% 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Windstream Fiber | 2,000 / 2,000 |
| Sparklight Fiber · Cable | 1,000 / 1,000 |
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