415 Spruce Ln, Monroe, GA 30655 Property Records

Walton County property record for 415 Spruce Ln, Monroe, GA 30655

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,551 sqft · built 1987
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Oct 2025)
Tax Bill	$1,410 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NM07B-004`

Property Details

APN / Parcel Number

Primary APN	`NM07B-004`
Alternative APN	`35121`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,551 sqft Heated Area
1st Floor Area	1,551 sqft
Basement Area	844 sqft
Finished Basement	844 sqft
Unfinished Basement	853 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)

Exterior Amenities

Porch	Slab
Porch Area	15 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	35121
Street Address	415 SPRUCE LN
City	MONROE
State	GA
Zip	30655-2091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	#4A SWEETBRIAR-I .35AC
Legal Subdivision	SWEETBRIAR
Legal Block	A
Legal Lot Number	4
Jurisdiction	WALTON GA
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1012
Census Tract	110701

Owner

Source: Walton County records, as of March 5, 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 Record
Mailing Address	415 SPRUCE LN, MONROE, GA 30655-2091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS
Oct 6, 2025	Warranty Deed, Transfer
Oct 6, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Oct 6, 2025
Deed Book / Page	5606 / 961
Prior Transfer Date	Sep 30, 2025
Prior Transfer Doc	0056060958
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	415 SPRUCE LN, MONROE, GA 30655-2091
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 SPRUCE LN, MONROE, GA 30655-2091

Mortgage

Document Number	0047630000000001
Date	Jan 13, 2021
Book Page	0000004763/0000000001
Instrument	000729

Lender

Name	EMBRACE HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON GA
Recording Date	Oct 6, 2025
Property Address	415 SPRUCE LN, MONROE, GA 30655-2091
Document Number	0056060961
Book / Page	5606 / 961
Instrument Date	Sep 30, 2025
Transaction Type	Transfer
Record Updated	Nov 10, 2025

Transaction

Amount	Amount Recorded
Tax	$3.05
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 SPRUCE LN, MONROE, GA 30655-2091

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON GA
Recording Date	Oct 6, 2025
Property Address	415 SPRUCE LN, MONROE, GA 30655-2091
Document Number	0056060958
Book / Page	5606 / 958
Instrument Date	Sep 30, 2025
Transaction Type	Transfer
Record Updated	Nov 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 SPRUCE LN, MONROE, GA 30655-2091

Tax Assessment & Valuation

Source: Walton County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Walton County
Municipality	Monroe City
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,410.00 (+11.29%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$111,720 (+2.2%) Land $14,000 Building $97,720	$279,300 (+2.2%) Land $35,000 Building $244,300
2024	$1,267.00 (+3.26%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$109,320 (+2.74%) Land $14,000 Building $95,320	$273,300 (+2.74%) Land $35,000 Building $238,300
2023	$1,227.00 (-99.63%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$106,400 (+25%) Land $14,000 Building $92,400	$266,000 (+25%) Land $35,000 Building $231,000
2022	$335,220.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$85,120 Land $12,000 Building $73,120	$212,800 Land $30,000 Building $182,800

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

Source: FEMA National Flood Hazard Layer, effective December 14, 2022

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONROE serves 25,248 people · EPA ID GA2970001
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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