Towns County property record for 315 Ruby Rdg, Young Harris, GA 30582 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,016 sqft Heated Area |
| Lot Size | 33,977 sqft (0.78 acres) |
| Garage | 396 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $365,000 (2023) |
| Tax Bill | $1,054.00 (2025) |
| Primary APN | 0009 107 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,016 sqft Heated Area |
| 1st Floor | 1,152 sqft 1st Floor |
| Basement Area | 864 sqft Basement |
| Finished Basement | 864 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wood Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Wood Siding Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 33,977 sqft (0.78 acres) |
| Garage Area | 396 sqft Garage |
| Deck Area | 192 sqft Deck |
| Porch Area | 288 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 1104 |
|---|---|
| Street Address | 315 RUBY RDG |
| City | YOUNG HARRIS |
| State | GA |
| Zip | 30582-2096 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 7 RUBY RIDGE SUB |
| Legal Subdivision | RUBY RIDGE SUB |
| Legal Lot Number | 7 |
| Jurisdiction | TOWNS GA |
| Minor Civil Division | YOUNG HARRIS |
| Census Blockgroup | 4 |
| Census Block | 4013 |
| Census Tract | 960100 |
Source: Towns County records · APN 0009 107
Assessment roll updated March 30, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 19, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE |
| Feb 14, 2024 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE |
| Nov 12, 2024 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE |
| May 20, 2023 | Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage FREEDOM MORTGAGE |
| Aug 26, 2022 | Warranty Deed, Transfer · Commercial Mortgage KIAVI FUNDING |
| Apr 06, 2021 | Foreclosure |
| Mar 16, 2006 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 08, 2023 · Amount on Record |
| Deed Sale | Jun 08, 2023 · Amount on Record |
| Prior Sale | Sep 08, 2022 · Amount on Record |
| Deed Doc Number | 2023626 |
| Deed Book / Page | 714 / 368 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOWNS GA |
| Property Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 315 RUBY RIDGE DR |
| Document Number | 0000000758/0000000786 |
|---|---|
| Date | Mar 19, 2026 |
| Book Page | 0000000758/0000000786 |
| Instrument | D2026-000582 |
| Name | FREEDOM MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOWNS GA |
| Property Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 315 RUBY RIDGE DR |
| Document Number | 0000000725/0000000115 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | 0000000725/0000000115 |
| Name | FREEDOM MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOWNS GA |
| Property Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 315 RUBY RIDGE DR |
| Document Number | 0000000736/0000000748 |
|---|---|
| Date | Nov 12, 2024 |
| Book Page | 0000000736/0000000748 |
| Name | FREEDOM MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TOWNS GA |
| Recording Date | May 20, 2023 |
| Property Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Document Number | 000714/368 |
| Book / Page | 714 / 368 |
| Instrument Date | May 20, 2023 |
| Instrument | 2023-000626 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Document Number | 0000000714/0000000371 |
|---|---|
| Date | Jun 08, 2023 |
| Book Page | 0000000714/0000000371 |
| Name | FREEDOM MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TOWNS GA |
| Recording Date | Aug 26, 2022 |
| Property Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Document Number | 000703/671 |
| Book / Page | 703 / 671 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022-001103 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 64 DEEPWATER CIR, MANALAPAN, NJ 07726-4131 |
| Document Number | 0000000703/0000000674 |
|---|---|
| Date | Sep 08, 2022 |
| Book Page | 0000000703/0000000674 |
| Name | KIAVI FUNDING |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 01, 2023 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | TOWNS GA |
| Recording Date | Apr 06, 2021 |
| Property Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Document Number | 000673/764 |
| Book / Page | 673 / 764 |
| Instrument Date | Apr 06, 2021 |
| Instrument | 2021-000552 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 08, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TOWNS GA |
| Recording Date | Mar 16, 2006 |
| Property Address | 315 RUBY RDG, YOUNG HARRIS, GA 30582-2096 |
| Document Number | 000365/484 |
| Book / Page | 365 / 484 |
| Instrument Date | Mar 16, 2006 |
| Instrument | 2006-000514 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 941, HIAWASSEE, GA 30546-0941 |
| Investor | Possibly a Property Investor |
Source: Towns County records · Assessment roll updated March 30, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Towns County |
| Unified School District | Towns County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,054.00 (-9.53%) | $126,978 (+19.61%) Land $12,000 Building $114,978 | $317,444 (+19.61%) Land $30,000 Building $287,444 |
| 2023 | $1,165.00 (-15.33%) | $106,158 (+6.7%) Land $12,000 Building $94,158 | $265,394 (+6.7%) Land $30,000 Building $235,394 |
| 2022 | $1,376.00 | $99,488 Land $12,000 Building $87,488 | $248,720 Land $30,000 Building $218,720 |
Source: FEMA National Flood Hazard Layer, Towns County (13281C), updated June 16, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 90% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 505 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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