436 Echo Valley Rd, Morganton, GA 30560 Property Records

Fannin County property record for 436 Echo Valley Rd, Morganton, GA 30560

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,838 sqft · built 2022
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$40,800 (Sep 2019)
Tax Bill	$2,865 (2025)
Deeds & Mortgages	May 2022 Construction Loan Dec 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0025 0172E`

Property Details

APN / Parcel Number

Primary APN	`0025 0172E`
Alternative APN	`25466`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,838 sqft Heated Area
Basement Area	1,892 sqft
Unfinished Basement	1,892 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Terrain	Rolling
Garage Area	1,148 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	25466
Old Parcel Number	00250172E
Street Address	436 ECHO VALLEY RD
City	MORGANTON
State	GA
Zip	30560-3399
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	8-1 LL212 TRT F DB803-393* 3.0 ACS
Legal Subdivision	HOLLY SD
Legal Tract	F
Legal Block	A
Legal Lot Number	F
Jurisdiction	FANNIN GA
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1024
Census Tract	50500

Owner

Source: Fannin County records, as of January 19, 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
Co-owner	Co-owner on Record
Mailing Address	1130 LOVING RD, MORGANTON, GA 30560-3221
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Dec 14, 2023	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Sep 30, 2019	Warranty Deed, Transfer · Commercial Mortgage MOUNTAIN VALLEY COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Deed Document Number	0001313645
Deed Book / Page	1313 / 645
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	436 ECHO VALLEY RD, MORGANTON, GA 30560-3399
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	ECHO VLY

Mortgage

Document Number	0000001503/0000000106
Date	May 4, 2022
Book Page	0000001503/0000000106
Instrument	002755640017

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	436 ECHO VALLEY RD, MORGANTON, GA 30560-3399
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 LOVING RD, MORGANTON, GA 30560-3221

Mortgage

Document Number	0000001584/0000000434
Date	Dec 14, 2023
Book Page	0000001584/0000000434

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN GA
Recording Date	Sep 30, 2019
Property Address	436 ECHO VALLEY RD, MORGANTON, GA 30560-3399
Document Number	001313/645
Book / Page	1313 / 645
Instrument Date	Sep 30, 2019
Instrument	2019-002205
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
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	1130 LOVING RD, MORGANTON, GA 30560-3221

Mortgage

Document Number	0000001313/0000000647
Date	Oct 1, 2019
Book Page	0000001313/0000000647
Instrument	002410740012

Lender

Name	MOUNTAIN VALLEY COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,865.00 (+1,156.58%)	$315,874 (+228.56%) Land $16,320 Building $299,554	$789,686 (+228.56%) Land $40,800 Building $748,886
2023		$96,140 (+489.09%) Land $16,320 Building $79,820	$240,350 (+489.09%) Land $40,800 Building $199,550
2022	$228.00	$16,320 Land $16,320	$40,800 Land $40,800

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 September 2, 2026 · 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 (2025)
Most Recent Claim	Apr 2025

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

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

Wildfire Risk	Moderate above 55% of the US · above 79% of Georgia
Wildfire Likelihood	0.1% 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)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

May also be available: Verizon.

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