423 Spruce Ln, Monroe, GA 30655 Property Records

Walton County property record for 423 Spruce Ln, Monroe, GA 30655

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,532 sqft · built 1989
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$152,500 (Aug 2024)
Tax Bill	$3,286 (2025)
Deeds & Mortgages	Oct 2025 Sale Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NM07B-006`

Property Details

APN / Parcel Number

Primary APN	`NM07B-006`
Alternative APN	`35123`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,532 sqft Heated Area
1st Floor Area	1,532 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2006
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Area	526 sqft

Exterior Amenities

Porch	Slab
Porch Area	88 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	35123
Street Address	423 SPRUCE LN
City	MONROE
State	GA
Zip	30655-2091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	#6A SWEETBRIAR-I .35AC
Legal Subdivision	SWEETBRIAR
Legal Block	A
Legal Lot Number	6
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	Individual Name on Record
Mailing Address	423 SPRUCE LN, MONROE, GA 30655-2091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Warranty Deed, Transfer
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Dec 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2024 · Amount on Record
Deed Sale	Aug 5, 2024 · Amount on Record
Prior Sale	Aug 5, 2024 · Amount on Record
Deed Document Number	20248291
Deed Book / Page	5514 / 461
Last Transfer Date	Oct 27, 2025
Transfer Doc	0056090299
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON GA
Recording Date	Oct 29, 2025
Property Address	423 SPRUCE LN, MONROE, GA 30655-2091
Document Number	0056090299
Book / Page	5609 / 299
Instrument Date	Oct 27, 2025
Transaction Type	Transfer
Record Updated	Dec 1, 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	423 SPRUCE LN, MONROE, GA 30655-2091

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	423 SPRUCE LN, MONROE, GA 30655-2091
Document Number	0044340371
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 SPRUCE LN MONROE GA 306552091, MONROE, GA 30655-2091

Mortgage

Document Number	0044340371
Date	Aug 22, 2019
Book Page	004434/000371

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	423 SPRUCE LN, MONROE, GA 30655-2091
Document Number	0043180368
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Feb 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 SPRUCE LN MONROE GA 306552091, MONROE, GA 30655-2091

Mortgage

Document Number	0043180368
Date	Dec 13, 2018
Book Page	004318/000368
Instrument	14163

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 12, 2038

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	$3,286.00 (+275.97%)	$93,440 (+2.37%) Land $14,000 Building $79,440	$233,600 (+2.37%) Land $35,000 Building $198,600
2024	$874.00 (+4.17%) Senior Citizen's exemption Additional exemption filed	$91,280 (+3.07%) Land $14,000 Building $77,280	$228,200 (+3.07%) Land $35,000 Building $193,200
2023	$839.00 (-99.7%) Senior Citizen's exemption Additional exemption filed	$88,560 (+25.44%) Land $14,000 Building $74,560	$221,400 (+25.44%) Land $35,000 Building $186,400
2022	$278,037.00 Senior Citizen's exemption Additional exemption filed	$70,600 Land $12,000 Building $58,600	$176,500 Land $30,000 Building $146,500

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 63% of the US · lower than 84% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

May also be available: T-Mobile, Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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