Houston County property record for 281 Terrell Rd, Elko, GA 31025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 5,087 sqft · built 2020 |
| Lot Size | 6.76 acres (294,466 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $69,000 (May 2020) |
| Tax Bill | $7,082 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Feb 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 64-51 |
| Primary APN | 64-51 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 5,087 sqft Heated Area |
| 2nd Floor Area | 840 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 294,466 sqft (6.76 acres) |
| Garage Area | 1,344 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 67687 |
|---|---|
| Street Address | 281 TERRELL RD |
| City | ELKO |
| State | GA |
| Zip | 31025-2225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RAG |
| Legal Description | 6.76 ACRES TRACT 14 LL 219 13 LD |
| Legal Tract | 14 |
| Jurisdiction | HOUSTON GA |
| Township / Civil Division | ELKO |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 21502 |
Source: Houston County records, as of March 6, 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 Record |
|---|---|
| Mailing Address | 102 ARAPAHO DR, KATHLEEN, GA 31047-5313 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · VA Mortgage AMERIS BANK |
| Feb 5, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2020 · Amount on Record |
| Deed Sale | May 1, 2020 · Amount on Record |
| Deed Document Number | 0008580187 |
| Deed Book / Page | 8580 / 187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON GA |
| Property Address | 281 TERRELL RD, ELKO, GA 31025-2225 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0091290215 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 9129/215 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON GA |
| Property Address | 281 TERRELL RD, ELKO, GA 31025-2225 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0106040112 |
|---|---|
| Date | Feb 5, 2025 |
| Book Page | 10604/112 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2045 |
Source: Houston County assessment roll, as of July 1, 2025
| 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 | $7,082.00 (-9.17%) | $324,200 (-0.54%) Land $45,800 Building $278,400 | $810,500 (-0.54%) Land $114,500 Building $696,000 |
| 2024 | $7,797.00 (+27.26%) | $325,960 (+28.57%) Land $45,800 Building $280,160 | $814,900 (+28.57%) Land $114,500 Building $700,400 |
| 2023 | $6,127.00 | $253,520 Land $28,760 Building $224,760 | $633,800 Land $71,900 Building $561,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 89% of Georgia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | HOUSTON COUNTY-FEAGIN MILL serves 92,971 people · EPA ID GA1530021 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
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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