Polk County property record for 428 Wray Rd, Buchanan, GA 30113
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,608 sqft · built 2006 |
| Lot Size | 1.67 acres (73,181 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $55,000 (Dec 2014) |
| Tax Bill | $2,084 (2025) |
| Deeds & Mortgages | Oct 2024 Line of Credit Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027-033E |
| Primary APN | 027-033E |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,608 sqft Heated Area |
| 1st Floor Area | 1,608 sqft |
| Flooring | Wood |
| Interior Walls | Finished/Painted |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 73,181 sqft (1.67 acres) |
| Terrain | High |
| Garage Area | 480 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Patio Area | 80 sqft |
| Storage Building | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 22851 |
|---|---|
| Street Address | 428 WRAY RD |
| City | BUCHANAN |
| State | GA |
| Zip | 30113-2080 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LL 195 TR 1A |
| Legal Subdivision | LAKEVIEW AREA |
| Legal Tract | 1A |
| Jurisdiction | POLK GA |
| Township / Civil Division | CEDARTOWN |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 10400 |
428 Wray Rd is owned and occupied by two individuals who bought it in December 2014.
Source: Polk County records, as of February 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 WRAY RD, BUCHANAN, GA 30113-2080 |
| 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.
| Date | Document |
|---|---|
| Oct 23, 2024 | Deed of Trust, Mortgage · Line of Credit COOSA VALLEY CREDIT UNION |
| Mar 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage ACADEMY MORTGAGE |
| Sep 11, 2018 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2014 · Amount on File |
| Deed Sale | Dec 15, 2014 · Amount on File |
| Deed Document Number | 0001526370 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK GA |
| Property Address | 428 WRAY RD, BUCHANAN, GA 30113-2080 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 428 WRAY RD, BUCHANAN, GA 30113-2080 |
| Document Number | 0018990000000882 |
|---|---|
| Date | Oct 23, 2024 |
| Book Page | 0000001899/0000000882 |
| Name | COOSA VALLEY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK GA |
| Property Address | 428 WRAY RD, BUCHANAN, GA 30113-2080 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 428 WRAY RD, BUCHANAN, GA 30113-2080 |
| Document Number | 0018190000000466 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | 0000001819/0000000466 |
| Instrument | 000829 |
| Name | ACADEMY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK GA |
| Property Address | 428 WRAY RD, BUCHANAN, GA 30113-2080 |
| Document Number | 0016860480 |
| Instrument Date | Sep 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2018 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 428 WRAY RD BUCHANAN GA 301132080, BUCHANAN, GA 30113-2080 |
| Document Number | 0016860480 |
|---|---|
| Date | Oct 12, 2018 |
| Book Page | 001686/000480 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 11, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 428 Wray Rd was $2,084 with a homeowner's exemption.
Source: Polk County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,084.00 Homeowner's exemption | $105,782 Land $6,135 Building $99,647 | $264,455 Land $15,337 Building $249,118 |
| 2023 | $1,410.00 (+13.16%) Homeowner's exemption | $61,432 (+18.51%) Land $3,834 Building $57,598 | $153,582 (+18.51%) Land $9,586 Building $143,996 |
| 2022 | $1,246.00 Homeowner's exemption | $51,837 Land $2,556 Building $49,281 | $129,593 Land $6,390 Building $123,203 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Wray Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
Source: FEMA National Flood Hazard Layer, effective June 7, 2019 · 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 Claims | 1 (2021) |
| Most Recent Claim | May 2021 · river or lake flooding |
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 risk around 428 Wray Rd is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 94% of Georgia |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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