408 Stephen Thomas Dr, Talking Rock, GA 30175 Property Records

Pickens County property record for 408 Stephen Thomas Dr, Talking Rock, GA 30175

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,293 sqft · built 2006
Lot Size	3.32 acres (144,619 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Nov 2021)
Tax Bill	$8,618 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2025 Line of Credit + 3 more
Flood Zone	Zone A (high risk)
APN	`033-050`

Property Details

APN / Parcel Number

Primary APN	`033-050`
Alternative APN	`12767`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,293 sqft Heated Area
Basement Area	3,000 sqft
Unfinished Basement	3,000 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	144,619 sqft (3.32 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,664 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	3,687 sqft
Deck Area	704 sqft
Patio Area	1,019 sqft
Canopy	1,196 sqft
Utility Building	104 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12767
Street Address	408 STEPHEN THOMAS DR
City	TALKING ROCK
State	GA
Zip	30175-3552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	DIST12 LL21 LT3 PETE MOSS 3.32AC HOUSE
Legal Subdivision	PETE MOSS MOUNTAIN ESTATES
Legal Lot Number	3
Jurisdiction	PICKENS GA
Township / Civil Division	TALKING ROCK
Census Block Group	3
Census Block	3007
Census Tract	50300

Owner

408 Stephen Thomas Dr is owned and occupied by an individual who bought it in November 2021.

Source: Pickens County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit GEORGIA UNITED CREDIT UNION
Jul 21, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK
Nov 15, 2021	Warranty Deed, Transfer · Conventional Mortgage LOWER
Oct 21, 2019	Deed of Trust, Mortgage · Conventional with PMI REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2021 · Amount on File
Deed Sale	Nov 15, 2021 · Amount on File
Prior Sale	Jun 13, 2001
Deed Document Number	20212843
Deed Book / Page	1302 / 219
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS GA
Recording Date	Jul 6, 2026
Property Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552
Document Number	1482000141
Book / Page	1482 / 141
Instrument Date	Jun 5, 2026
Transaction Type	Mortgage
Record Updated	Aug 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552

Mortgage

Document Number	1482000141,
Date	Jul 6, 2026
Book Page	1482/141

Lender

Name	GEORGIA UNITED CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS GA
Property Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552

Mortgage

Document Number	0014420000000875
Date	Jul 21, 2025
Book Page	0000001442/0000000875

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2065

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS GA
Property Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552

Mortgage

Document Number	0013400000000019
Date	Aug 31, 2022
Book Page	0000001340/0000000019

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2062

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PICKENS GA
Recording Date	Nov 15, 2021
Property Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552
Document Number	0013020219
Book / Page	1302 / 219
Instrument Date	Nov 15, 2021
Instrument	2021-002843
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552

Mortgage

Document Number	0013020000000221
Date	Nov 15, 2021
Book Page	0000001302/0000000221

Lender

Name	LOWER

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PICKENS GA
Property Address	408 STEPHEN THOMAS DR, TALKING ROCK, GA 30175-3552
Document Number	0011960331
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 STEPHEN THOMAS DR TALKING ROCK GA 301753552, TALKING ROCK, GA 30175-3552

Mortgage

Document Number	0011960331
Date	Oct 25, 2019
Book Page	001196/000331

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 408 Stephen Thomas Dr was $8,618 with a homeowner's exemption.

Source: Pickens County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Pickens County
Unified School District	Pickens County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$480,840 (-) Land $22,775 Building $458,065	$1,202,101 (-) Land $56,938 Building $1,145,163
2025	$8,618.00 Homeowner's exemption	$480,840 Land $22,775 Building $458,065	$1,202,101 Land $56,938 Building $1,145,163
2023	$7,564.00	$371,925 Land $22,775 Building $349,150	$929,813 Land $56,938 Building $872,875

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 408 Stephen Thomas Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 1, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	2 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

Wildfire risk around 408 Stephen Thomas Dr is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 84% of Georgia
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ETC Cable	1,000 / 50

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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