3328 Prospect Rd, Rutledge, GA 30663 Property Records

Morgan County property record for 3328 Prospect Rd, Rutledge, GA 30663

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,652 sqft · built 2018
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on File
Last Sale	$25,500 (Nov 2017)
Tax Bill	$3,285 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010 081 G`

Property Details

APN / Parcel Number

Primary APN	`010 081 G`
Alternative APN	`1109`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,652 sqft Heated Area
1st Floor Area	1,967 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,291 sqft (1.43 acres)
Terrain	Rolling
Porch	Slab
Porch Area	1,321 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1109
Street Address	3328 PROSPECT RD
City	RUTLEDGE
State	GA
Zip	30663-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	1.43 ACRES/ PROSPECT RD
Legal Subdivision	RURAL LOT 1 - 2 ACRE
Jurisdiction	MORGAN GA
Township / Civil Division	RUTLEDGE
Census Block Group	1
Census Block	1010
Census Tract	10200

Owner

3328 Prospect Rd is owned and occupied by two individuals who acquired it in September 2019.

Source: Morgan County records, as of December 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015
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
Oct 2, 2019	Deed of Trust, Mortgage FARMERS AND MERCHANTS BANK
Nov 24, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING
Sep 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Sep 26, 2019	Warranty Deed, Transfer
Nov 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2017 · Amount on File
Deed Sale	Nov 16, 2017 · Amount on File
Prior Sale	Apr 7, 1993 · Amount on File
Deed Document Number	20171105
Deed Book / Page	599 / 172
Last Transfer Date	Sep 26, 2019
Transfer Doc	000632/200
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN GA
Property Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015

Mortgage

Document Number	0000000632/0000000201
Date	Oct 2, 2019
Book Page	0000000632/0000000201

Lender

Name	FARMERS AND MERCHANTS BANK

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2024

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN GA
Property Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015

Mortgage

Document Number	0000000722/0000000446
Date	Nov 24, 2023
Book Page	0000000722/0000000446

Lender

Name	FIGURE LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2038

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN GA
Property Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015

Mortgage

Document Number	0000000701/0000000922
Date	Sep 2, 2022
Book Page	0000000701/0000000922

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN GA
Recording Date	Sep 26, 2019
Property Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015
Document Number	000632/200
Book / Page	632 / 200
Instrument Date	Sep 26, 2019
Instrument	2019-001014
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN GA
Recording Date	Nov 16, 2017
Property Address	3328 PROSPECT RD, RUTLEDGE, GA 30663-2015
Document Number	000599/172
Book / Page	599 / 172
Instrument Date	Nov 16, 2017
Instrument	2017-001105
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 WHITE LAUREL LN, COVINGTON, GA 30016-5208

Tax Assessment & Valuation

The 2025 property tax bill for 3328 Prospect Rd was $3,285 with a homeowner's exemption.

Source: Morgan County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,285.00 Homeowner's exemption	$162,992 Land $14,140 Building $148,852	$407,480 Land $35,350 Building $372,130
2023	$3,118.00 (+3.11%) Homeowner's exemption	$134,699 (+8.94%) Land $11,440 Building $123,259	$336,748 (+8.94%) Land $28,600 Building $308,148
2022	$3,024.00 Homeowner's exemption	$123,650 Land $6,864 Building $116,786	$309,126 Land $17,160 Building $291,966

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3328 Prospect Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 26, 2023

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 3328 Prospect Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Prospect Rd

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