Jones County property record for 4041 Upper River Rd, Gray, GA 31032 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,815 sqft Heated Area |
| Lot Size | 142,441 sqft (3.27 acres) |
| Garage | 576 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $8,300 (2000) |
| Tax Bill | $3,174.00 (2025) |
| Primary APN | J43A-131C |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,815 sqft Heated Area |
| 1st Floor | 1,815 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 142,441 sqft (3.27 acres) |
| Garage Area | 576 sqft Garage |
| Porch Area | 296 sqft Porch |
| Topography | Rolling Topography |
| Utility Building | 120 sqft Utility Building |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 12987 |
|---|---|
| Street Address | 4041 UPPER RIVER RD |
| City | GRAY |
| State | GA |
| Zip | 31032-3823 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 12 MCKAYS SUMMIT PB 16\92 DB 404\564 |
| Legal Subdivision | MCKAY SUMMIT |
| Legal Lot Number | 12 |
| Jurisdiction | JONES GA |
| Minor Civil Division | GRAY-MACON EAST |
| Census Blockgroup | 3 |
| Census Block | 3009 |
| Census Tract | 30101 |
Source: Jones County records · APN J43A-131C
Assessment roll updated January 21, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4041 UPPER RIVER RD, GRAY, GA 31032-3823 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 06, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Feb 14, 2023 | Deed of Trust, Mortgage · Line of Credit ROBINS FINANCIAL CREDIT UNION |
| Jun 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 09, 2000 · Amount on Record |
| Deed Sale | Aug 09, 2000 · Amount on Record |
| Deed Book / Page | 404 / 564 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JONES GA |
| Recording Date | Jul 06, 2026 |
| Property Address | 4041 UPPER RIVER RD, GRAY, GA 31032-3823 |
| Document Number | 1204000662 |
| Book / Page | 1204 / 662 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4041 UPPER RIVER RD, GRAY, GA 31032-3823 |
| Document Number | 1204000662, |
|---|---|
| Date | Jul 06, 2026 |
| Book Page | 1204/662 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JONES GA |
| Property Address | 4041 UPPER RIVER RD, GRAY, GA 31032-3823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4041 UPPER RIVER RD, GRAY, GA 31032-3823 |
| Document Number | 0011400000000731 |
|---|---|
| Date | Feb 14, 2023 |
| Book Page | 0000001140/0000000731 |
| Name | ROBINS FINANCIAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JONES GA |
| Property Address | 4041 UPPER RIVER RD, GRAY, GA 31032-3823 |
| Document Number | 0010290005 |
| Instrument Date | Jun 02, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4041 UPPER RIVER RD GRAY GA 310323823, GRAY, GA 31032-3823 |
| Document Number | 0010290005 |
|---|---|
| Date | Jul 09, 2020 |
| Book Page | 001029/000005 |
| Instrument | 2000 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 08, 2035 |
Source: Jones County records · Assessment roll updated January 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Jones County |
| Unified School District | Jones County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,174.00 (+39.64%) Homeowner's exemption | $100,469 (+49.99%) Land $18,492 Building $81,977 | $251,172 (+49.99%) Land $46,230 Building $204,942 |
| 2023 | $2,273.00 (+0.75%) Homeowner's exemption | $66,982 (+6.81%) Land $14,224 Building $52,758 | $167,455 (+6.81%) Land $35,561 Building $131,894 |
| 2022 | $2,256.00 Homeowner's exemption | $62,709 Land $13,940 Building $48,769 | $156,773 Land $34,850 Building $121,923 |
4041 Upper River Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Jones County (13169C), updated October 13, 2022
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 53rd percentile of exposed land nationally · 73rd in Georgia |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 962 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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