Elbert County property record for 397 E Railroad St, Bowman, GA 30624
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,708 sqft · built 1974 |
| Lot Size | 1.69 acres (73,616 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,467 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Oct 2010 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005 115 |
| Primary APN | 005 115 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,708 sqft Heated Area |
| 1st Floor Area | 1,708 sqft |
| Basement Area | 620 sqft |
| Unfinished Basement | 620 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Modular |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 73,616 sqft (1.69 acres) |
| Garage Type | Mixed |
| Garage Area | 864 sqft |
| Carport | Carport |
| Carport Area | 440 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 88 sqft |
| Patio Area | 91 sqft |
| Canopy | 720 sqft |
| Utility Building | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 10800 |
|---|---|
| Old Parcel Number | 005 115 |
| Street Address | 397 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 | 1.69 ACRES |
| Jurisdiction | ELBERT GA |
| Township / Civil Division | BOWMAN |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 100 |
Source: Elbert County records, as of February 27, 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 Record |
|---|---|
| Mailing Address | 397 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Oct 19, 2010 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Feb 14, 2005 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 1978 |
| Deed Sale | Nov 1, 1978 |
| Deed Document Number | 0000123188 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Property Address | 397 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 397 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Document Number | 0000000651/0000000059 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 0000000651/0000000059 |
| Name | REGIONS BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Property Address | 397 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000509/558 |
|---|---|
| Date | Oct 19, 2010 |
| Book Page | 509/558 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35283 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 30, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT GA |
| Property Address | 397 E RAILROAD ST, BOWMAN, GA 30624-2318 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000386/180 |
|---|---|
| Date | Feb 14, 2005 |
| Book Page | 386/180 |
| Instrument | 000581 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 1, 2015 |
Source: Elbert County assessment roll, as of July 1, 2025
| 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 | $1,467.00 (-0.14%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $86,740 (+8.41%) Land $5,318 Building $81,422 | $216,848 (+8.41%) Land $13,294 Building $203,554 |
| 2023 | $80,014 Land $4,624 Building $75,390 | $200,035 Land $11,560 Building $188,475 | |
| 2022 | $1,469.00 |
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 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.
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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: 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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