305 Howard St, Thomson, GA 30824 Property Records

McDuffie County property record for 305 Howard St, Thomson, GA 30824

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,501 sqft · built 1985
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (May 2017)
Tax Bill	$1,793 (2025)
Deeds & Mortgages	Jun 2016 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0031A 00000 004 A00`

Property Details

APN / Parcel Number

Primary APN	`0031A 00000 004 A00`
Alternative APN	`1855`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,501 sqft Heated Area
1st Floor Area	1,241 sqft
Utility Area	65 sqft
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	150 ft deep x 120 ft wide

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	84 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1855
Street Address	305 HOWARD ST
City	THOMSON
State	GA
Zip	30824-8273
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	305 HOWARD ST SW
Legal Subdivision	THOMSON CITY
Legal Block	C
Legal Lot Number	17+
Jurisdiction	MCDUFFIE GA
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2027
Census Tract	950401

Owner

305 Howard St is owned and occupied by an individual who bought it in May 2017.

Source: McDuffie County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	305 HOWARD ST, THOMSON, GA 30824-8273
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2016	Deed of Trust, Mortgage FIRST STATE BANK
May 30, 2017	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jun 1, 2017	Deed of Trust, Mortgage · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2017 · Amount on File
Deed Sale	May 30, 2017 · Amount on File
Prior Sale	Feb 10, 2016 · Amount on File
Deed Document Number	2017306
Deed Book / Page	655 / 304
Prior Transfer Date	Apr 7, 2015
Prior Transfer Doc	000632/626
Record Updated	Oct 29, 2026

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDUFFIE GA
Property Address	305 HOWARD ST, THOMSON, GA 30824-8273
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000644/388
Date	Jun 24, 2016
Book Page	644/388

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 1, 2021

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDUFFIE GA
Property Address	305 HOWARD ST, THOMSON, GA 30824-8273
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000655/309
Date	May 30, 2017
Book Page	655/309

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDUFFIE GA
Property Address	305 HOWARD ST, THOMSON, GA 30824-8273
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000655/375
Date	Jun 1, 2017
Book Page	655/375

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 305 Howard St was $1,793, up 3.8% from the year before.

Source: McDuffie County assessment roll, as of January 9, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	McDuffie County
Municipality	Thomson City
Unified School District	McDuffie County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,145 (+1.22%) Land $3,870 Building $54,275	$145,362 (+1.22%) Land $9,675 Building $135,687
2025	$1,793.00 (+3.82%)	$57,442 (+5.14%) Land $2,798 Building $54,644	$143,605 (+5.14%) Land $6,996 Building $136,609
2024	$1,727.00 (+1.41%)	$54,632 (+4.24%) Land $2,718 Building $51,914	$136,580 (+4.24%) Land $6,794 Building $129,786
2023	$1,703.00 (+14.53%)	$52,409 (+20.56%) Land $2,580 Building $49,829	$131,022 (+20.56%) Land $6,450 Building $124,572
2022	$1,487.00	$43,470 Land $2,150 Building $41,320	$108,674 Land $5,375 Building $103,299

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

FEMA maps place 305 Howard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 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

Wildfire risk around 305 Howard St is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	THOMSON-MCDUFFIE CO W&S COMM serves 21,312 people · EPA ID GA1890001
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Howard St

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