284 Terrell Rd, Elko, GA 31025 Property Records

Houston County property record for 284 Terrell Rd, Elko, GA 31025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,018 sqft · built 2016
Lot Size	4.88 acres (212,573 sqft)
Owner	2 Individual Names on Record
Last Sale	$33,000 (Jul 2016)
Tax Bill	$3,993 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Aug 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`64-25`

Property Details

APN / Parcel Number

Primary APN	`64-25`
Alternative APNs	`000640 025000` `44060`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,018 sqft Heated Area
1st Floor Area	3,018 sqft
2nd Floor Area	410 sqft
Utility Area	35 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	212,573 sqft (4.88 acres)
Garage Area	707 sqft
Porch	Slab
Porch Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	44060
Street Address	284 TERRELL RD
City	ELKO
State	GA
Zip	31025-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	TRACT 2 4.875 ACRES LL 219 13TH
Legal Tract	2
Jurisdiction	HOUSTON GA
Township / Civil Division	ELKO
Census Block Group	2
Census Block	2041
Census Tract	21502

Owner

Source: Houston County records, as of March 9, 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	284 TERRELL RD, ELKO, GA 31025-2203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2019	Deed of Trust, Mortgage · Line of Credit MIDSOUTH COMMUNITY FCU
Aug 7, 2019	Loan Modification, Mortgage · Conventional Mortgage MIDSOUTH CMNTY FCU
Apr 7, 2017	Deed of Trust, Mortgage PERSONS BKNG CO
Mar 17, 2017	Loan Modification, Mortgage PERSONS BKNG CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2016 · Amount on Record
Deed Sale	Jul 15, 2016 · Amount on Record
Prior Sale	Apr 4, 1994 · Amount on Record
Deed Document Number	20163592
Deed Book / Page	7220 / 270
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	284 TERRELL RD, ELKO, GA 31025-2203
Transaction Type	Mortgage
Record Updated	Mar 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080690171
Date	Jan 16, 2019
Book Page	8069/171

Lender

Name	MIDSOUTH COMMUNITY FCU
Type	Credit Union
Address	MACON, GA 31210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	242 Months
Due	Mar 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HOUSTON GA
Property Address	284 TERRELL RD, ELKO, GA 31025-2203
Document Number	0082890057
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 TERRELL RD ELKO GA 310252203, ELKO, GA 31025-2203

Mortgage

Document Number	0082890057
Date	Aug 19, 2019
Book Page	008289/000057

Lender

Name	MIDSOUTH CMNTY FCU
Type	Credit Union
Address	MACON, GA 31210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON GA
Property Address	284 TERRELL RD, ELKO, GA 31025-2203
Document Number	0001476276
Book / Page	007497 / 000199
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	Nov 13, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1717 HARPER RD PERRY GA 310699728, PERRY, GA 31069-9728

Mortgage

Document Number	0001476276
Date	May 4, 2017
Book Page	007497/000199
Instrument	1476276

Lender

Name	PERSONS BKNG CO
Address	PERRY, GA 31069

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 3, 2047

Interest

Rate Type	Adjustable Rate

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HOUSTON GA
Property Address	284 TERRELL RD, ELKO, GA 31025-2203
Document Number	0001470334
Book / Page	007457 / 000014
Instrument Date	Mar 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1717 HARPER RD PERRY GA 310699728, PERRY, GA 31069-9728

Mortgage

Document Number	0001470334
Date	Mar 24, 2017
Book Page	007457/000014
Instrument	1470334

Lender

Name	PERSONS BKNG CO
Address	PERRY, GA 31069

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 23, 2018

Tax Assessment & Valuation

Source: Houston County assessment roll, as of March 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,993.00 (+17.68%)	$182,800 (+30.2%) Land $35,600 Building $147,200	$457,000 (+30.2%) Land $89,000 Building $368,000
2023	$3,393.00 (+12.43%)	$140,400 (+12.43%) Land $21,760 Building $118,640	$351,000 (+12.43%) Land $54,400 Building $296,600
2022	$3,018.00	$124,880 Land $21,760 Building $103,120	$312,200 Land $54,400 Building $257,800

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 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

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	0.06% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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