438 Thomas Mountain Rd, Morganton, GA 30560 Property Records

Fannin County property record for 438 Thomas Mountain Rd, Morganton, GA 30560 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,080 sqft · built 1998
Lot Size	2.06 acres (89,734 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Aug 2019)
Tax Bill	$840 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0011 0104B`

Property Details

APN / Parcel Number

Primary APN	`0011 0104B`
Alternative APN	`17817`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,080 sqft Heated Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	1,040 sqft
Unfinished Basement	1,040 sqft
Flooring	Softwood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Roof Type	Gable
Roof Material	Metal
Lot Area	89,734 sqft (2.06 acres)
Terrain	Rolling
Porch	Slab
Porch Area	260 sqft
Deck Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	17817
Street Address	438 THOMAS MOUNTAIN RD
City	MORGANTON
State	GA
Zip	30560-2929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8-1 LL190 LT5 DB1308-413*2.06 ACS
Legal Subdivision	MAPLE RIDGE OF THOMAS MTN
Legal Block	A
Legal Lot Number	5
Jurisdiction	FANNIN GA
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1001
Census Tract	50500

Owner

Source: Fannin County records · APN 0011 0104B

Assessment roll updated January 21, 2026 · Last verified April 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 File
Mailing Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Aug 28, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Jun 03, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Aug 23, 2019	Warranty Deed, Transfer
Aug 23, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 23, 2019 · Amount on Record
Deed Sale	Aug 23, 2019 · Amount on Record
Prior Sale	Oct 30, 2000 · Amount on Record
Deed Document Number	20191867
Deed Book / Page	1308 / 387
Record Updated	Jun 08, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929

Mortgage

Document Number	0000001667/0000000515
Date	Sep 17, 2025
Book Page	0000001667/0000000515

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 01, 2065

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929

Mortgage

Document Number	0000001308/0000000391
Date	Aug 28, 2019
Book Page	0000001308/0000000391
Instrument	002400710022

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2049

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929

Mortgage

Document Number	0000001432/0000000010
Date	Jun 03, 2021
Book Page	0000001432/0000000010
Instrument	002626750020

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN GA
Recording Date	Aug 23, 2019
Property Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929
Document Number	001308/413
Book / Page	1308 / 413
Instrument Date	Aug 23, 2019
Instrument	2019-001869
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN GA
Recording Date	Aug 23, 2019
Property Address	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929
Document Number	001308/387
Book / Page	1308 / 387
Instrument Date	Aug 23, 2019
Instrument	2019-001867
Transaction Type	Transfer
Record Updated	May 16, 2022

Transaction

Amount	Amount Recorded
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	438 THOMAS MOUNTAIN RD, MORGANTON, GA 30560-2929

Tax Assessment & Valuation

Source: Fannin County records · Assessment roll updated January 21, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$840.00 (-34.43%) Homeowner's exemption	$108,231 (+19.83%) Land $9,229 Building $99,002	$270,578 (+19.83%) Land $23,072 Building $247,506
2023		$90,320 (-1.17%) Land $9,229 Building $81,091	$225,800 (-1.17%) Land $23,072 Building $202,728
2022	$1,281.00 Homeowner's exemption	$91,389 Land $9,229 Building $82,160	$228,472 Land $23,072 Building $205,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fannin County (13111C), updated September 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 131110505001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2025)
Most Recent Claim	Apr 2025

Wildfire

Wildfire Risk	Moderate above 55% of the US · above 80% of Georgia
Wildfire Likelihood	About 1 in 719 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 7 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
TDS Telecom	Fiber	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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