431 Cheek Rd, Monroe, GA 30655 Property Records

Walton County property record for 431 Cheek Rd, Monroe, GA 30655

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,536 sqft · built 2022
Lot Size	5.19 acres (226,076 sqft)
Owner	Individual Name on File
Last Sale	$67,000 (Aug 2020)
Tax Bill	$5,253 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C1890-007-E`

Property Details

APN / Parcel Number

Primary APN	`C1890-007-E`
Alternative APN	`39855`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,536 sqft Heated Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	226,076 sqft (5.19 acres)
Garage Area	750 sqft
Porch	Open Porch
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39855
Street Address	431 CHEEK RD
City	MONROE
State	GA
Zip	30655-5147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	TR#1 5.19AC
Legal Subdivision	TRACT 1
Legal Tract	1
Jurisdiction	WALTON GA
Township / Civil Division	GOOD HOPE
Census Block Group	1
Census Block	1010
Census Tract	110200

Owner

431 Cheek Rd is owned and occupied by an individual who acquired it in August 2020.

Source: Walton County records, as of March 5, 2026

Owner of Record	Individual Name on File
Mailing Address	431 CHEEK RD, MONROE, GA 30655-5147
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
Sep 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES
Feb 14, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF MADISON COUNTY
Aug 10, 2020	Deed with Mortgage, Transfer · Conventional with PMI FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2020 · Amount on File
Deed Sale	Aug 5, 2020 · Amount on File
Deed Document Number	0004650195
Deed Book / Page	4650 / 195
Last Transfer Date	Aug 10, 2020
Transfer Doc	0046500195
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	431 CHEEK RD, MONROE, GA 30655-5147
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 CHEEK RD, MONROE, GA 30655-5147

Mortgage

Document Number	0052130000000461
Date	Sep 26, 2022
Book Page	0000005213/0000000461
Instrument	2022014342

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	431 CHEEK RD, MONROE, GA 30655-5147
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 CHEEK RD, MONROE, GA 30655-5147

Mortgage

Document Number	0050780000000267
Date	Feb 14, 2022
Book Page	0000005078/0000000267
Instrument	2022002471

Lender

Name	BANK OF MADISON COUNTY

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2023

August 2020: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	WALTON GA
Recording Date	Aug 10, 2020
Property Address	431 CHEEK RD, MONROE, GA 30655-5147
Document Number	0046500195
Book / Page	004650 / 000195
Instrument Date	Aug 5, 2020
Instrument	10931
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	CHEEK RD MONROE GA 30655, MONROE, GA 30655

Mortgage

Document Number	46500197
Date	Aug 10, 2020
Book Page	004650/000197
Instrument	10931

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	STATESBORO, GA 30459-0718

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Aug 9, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 431 Cheek Rd was $5,253 with a homeowner's exemption.

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,253.00 Homeowner's exemption	$183,040 Land $47,000 Building $136,040	$457,600 Land $117,500 Building $340,100
2023	$4,931.00 (+266.89%)	$165,320 (+311.24%) Land $44,560 Building $120,760	$413,300 (+311.24%) Land $111,400 Building $301,900
2022	$1,344.00	$40,200 Land $40,200	$100,500 Land $100,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 431 Cheek Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective December 14, 2022 · 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 Policies	4 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024 · 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

Wildfire risk around 431 Cheek Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.07% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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