Morgan County property record for 3520 Spears Rd, Madison, GA 30650
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,460 sqft · built 2004 |
| Lot Size | 6.71 acres (292,288 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,929 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 030 080 |
| Primary APN | 030 080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,460 sqft Heated Area |
| 1st Floor Area | 2,460 sqft |
| Basement Area | 113 sqft |
| Finished Basement | 113 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 292,288 sqft (6.71 acres) |
| Garage Area | 600 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 752 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 9202 |
|---|---|
| Street Address | 3520 SPEARS RD |
| City | MADISON |
| State | GA |
| Zip | 30650-4493 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | COBBLE RIDGE PLANTATION PHASE 1 LOT 1 |
| Legal Subdivision | COBBLE RIDGE PLANTATION |
| Legal Phase | 01 |
| Legal Lot Number | 1 |
| Jurisdiction | MORGAN GA |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1119 |
| Census Tract | 10301 |
Source: Morgan County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3520 SPEARS RD, MADISON, GA 30650-4493 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF MADISON COUNTY |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING |
| Apr 23, 2020 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF MADISON COUNTY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2015 |
| Deed Sale | Nov 19, 2015 |
| Deed Document Number | 0000549104 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN GA |
| Property Address | 3520 SPEARS RD, MADISON, GA 30650-4493 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3520 SPEARS RD, MADISON, GA 30650-4493 |
| Document Number | 0000000717/0000000620 |
|---|---|
| Date | Aug 3, 2023 |
| Book Page | 0000000717/0000000620 |
| Name | BANK OF MADISON COUNTY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN GA |
| Property Address | 3520 SPEARS RD, MADISON, GA 30650-4493 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3520 SPEARS RD, MADISON, GA 30650-4493 |
| Document Number | 0000000656/0000000105 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 0000000656/0000000105 |
| Name | STEARNS LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN GA |
| Property Address | 3520 SPEARS RD, MADISON, GA 30650-4493 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3520 SPEARS RD, MADISON, GA 30650-4493 |
| Document Number | 0000000642/0000001015 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 0000000642/0000001015 |
| Name | BANK OF MADISON COUNTY |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2021 |
Source: Morgan County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,929.00 (+2.63%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $165,876 (+19.41%) Land $44,785 Building $121,091 | $414,690 (+19.41%) Land $111,963 Building $302,727 |
| 2023 | $2,854.00 (+1.17%) Homeowner's exemption | $138,915 (+20.44%) Land $38,703 Building $100,212 | $347,287 (+20.44%) Land $96,758 Building $250,529 |
| 2022 | $2,821.00 Homeowner's exemption | $115,341 Land $19,964 Building $95,377 | $288,351 Land $49,909 Building $238,442 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 42% of Georgia |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
5G (outdoors only) and 4G LTE
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