Elbert County property record for 345 E Railroad St, Bowman, GA 30624
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,068 sqft · built 1908 |
| Lot Size | 1.83 acres (79,715 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Mar 2003) |
| Tax Bill | $3,046 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005 118 |
| Primary APN | 005 118 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,068 sqft Heated Area |
| 1st Floor Area | 1,448 sqft |
| 2nd Floor Area | 1,620 sqft |
| Attic | Attic |
| Attic Area | 1,620 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Modular |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 79,715 sqft (1.83 acres) |
| Porch | Slab |
| Porch Area | 928 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 10795 |
|---|---|
| Street Address | 345 E RAILROAD ST |
| City | BOWMAN |
| State | GA |
| Zip | 30624-2318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOWMAN |
| Legal Description | 345 RAILROAD ST |
| Jurisdiction | ELBERT GA |
| Township / Civil Division | BOWMAN |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 100 |
345 E Railroad St is owned and occupied by two individuals who bought it in March 2003.
Source: Elbert County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| 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.
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK |
| Aug 18, 2020 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Oct 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT COM |
| Apr 13, 2007 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| May 2, 2005 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Apr 13, 2007 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2003 · Amount on File |
| Deed Sale | Mar 27, 2003 · Amount on File |
| Prior Sale | Nov 1, 1995 · Amount on File |
| Deed Book / Page | 338 / 260 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Recording Date | Jul 20, 2026 |
| Property Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Document Number | 0804000396 |
| Book / Page | 804 / 396 |
| Instrument Date | Jul 6, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Document Number | 0804000396, |
|---|---|
| Date | Jul 20, 2026 |
| Book Page | 804/396 |
| Name | REGIONS BANK |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate | 5.79% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Property Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Document Number | 0000000669/0000000030 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 0000000669/0000000030 |
| Name | REGIONS BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Property Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Document Number | 0000000697/0000000081 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 0000000697/0000000081 |
| Name | LOAN DEPOT COM |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Property Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000440/356 |
|---|---|
| Date | Apr 13, 2007 |
| Book Page | 440/356 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Property Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000391/316 |
|---|---|
| Date | May 2, 2005 |
| Book Page | 391/316 |
| Instrument | 001594 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Property Address | 345 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000440/372 |
|---|---|
| Date | Apr 13, 2007 |
| Book Page | 440/372 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2022 |
The 2025 property tax bill for 345 E Railroad St was $3,046 with a homeowner's exemption.
Source: Elbert County assessment roll, as of March 2, 2026
| Type | Name |
|---|---|
| State | Georgia |
| Municipality | Bowman City |
| County | Elbert County |
| Unified School District | Elbert County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,046.00 Homeowner's exemption | $134,331 Land $6,664 Building $127,667 | $335,827 Land $16,659 Building $319,168 |
| 2023 | $124,005 Land $5,794 Building $118,210 | $310,012 Land $14,486 Building $295,526 | |
| 2022 | $2,512.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 345 E Railroad St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 6, 2010 · 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 risk around 345 E Railroad St is moderate, ranking above 40% of the US, with a 0.07% 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | BOWMAN WATER SYSTEM serves 1,299 people · EPA ID GA1050000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 4 ppb (2024) action level 15 ppb |
| Copper | 1.5 mg/L (2019) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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