Morgan County property record for 3905 Prospect Rd, Rutledge, GA 30663
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,921 sqft · built 1910 |
| Lot Size | 9.89 acres (430,808 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,808 (2025) |
| Deeds & Mortgages | Apr 2016 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 005 028 |
| Primary APN | 005 028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,921 sqft Heated Area |
| 1st Floor Area | 2,261 sqft |
| Attic | Attic |
| Attic Area | 660 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 430,808 sqft (9.89 acres) |
| Terrain | Rolling |
| Garage Area | 768 sqft |
| Porch | Slab |
| Porch Area | 248 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 8577 |
|---|---|
| Street Address | 3905 PROSPECT RD |
| City | RUTLEDGE |
| State | GA |
| Zip | 30663-2010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Subdivision | BETTY MALCOM JOAN S HARPER & G |
| Jurisdiction | MORGAN GA |
| Township / Civil Division | RUTLEDGE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10200 |
3905 Prospect Rd is owned and occupied by two individuals who acquired it in May 2004.
Source: Morgan County records, as of May 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3905 PROSPECT RD, RUTLEDGE, GA 30663-2010 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2004 |
| Deed Sale | May 5, 2004 |
| Prior Sale | Apr 13, 1999 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN GA |
| Property Address | 3905 PROSPECT RD, RUTLEDGE, GA 30663-2010 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000570/159 |
|---|---|
| Date | Apr 1, 2016 |
| Book Page | 570/159 |
| Instrument | 001589 |
| Name | FIRST AMERICAN BANK & TRUST |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 12 Months |
| Due | Apr 1, 2017 |
The 2025 property tax bill for 3905 Prospect Rd was $3,808 with a homeowner's exemption.
Source: Morgan County assessment roll, as of December 9, 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 | $3,808.00 Homeowner's exemption | $195,179 Land $73,344 Building $121,835 | $487,948 Land $183,361 Building $304,587 |
| 2023 | $3,356.00 (+26.26%) | $142,822 (+31.42%) Land $55,384 Building $87,438 | $357,054 (+31.42%) Land $138,460 Building $218,594 |
| 2022 | $2,658.00 | $108,675 Land $25,676 Building $82,999 | $271,689 Land $64,191 Building $207,498 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3905 Prospect Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 26, 2023
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3905 Prospect Rd 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: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
May also be available: Windstream.
4G LTE (outdoors only), no 5G reported
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