441 Cole Rd, Carnesville, GA 30521 Property Records

Franklin County property record for 441 Cole Rd, Carnesville, GA 30521

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,216 sqft · built 1975
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on File
Last Sale	$127,500 (Jun 2021)
Tax Bill	$1,234 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-066-A`

Property Details

APN / Parcel Number

Primary APN	`030-066-A`
Alternative APN	`4244`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Heated Area
1st Floor Area	1,216 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Metal
Lot Area	40,946 sqft (0.94 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	284 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4244
Street Address	441 COLE RD
City	CARNESVILLE
State	GA
Zip	30521-4476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UNZONED RU
Legal Description	.94 AC
Jurisdiction	FRANKLIN GA
Township / Civil Division	SANDY CROSS
Census Block Group	2
Census Block	2006
Census Tract	890300

Owner

441 Cole Rd is owned and occupied by two individuals who bought it in June 2021.

Source: Franklin County records, as of December 12, 2025

Owner of Record	2 Individual Names on File
Mailing Address	441 COLE RD, CARNESVILLE, GA 30521-4476
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
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCONEE FEDERAL SAVINGS AND LOAN
Jun 25, 2021	Warranty Deed, Transfer
Nov 5, 2019	Deed of Trust, Mortgage HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2021 · Amount on File
Deed Sale	Jun 25, 2021 · Amount on File
Prior Sale	Sep 6, 2016 · Amount on File
Deed Document Number	2021880
Deed Book / Page	1460 / 320
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN GA
Property Address	441 COLE RD, CARNESVILLE, GA 30521-4476
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 COLE RD, CARNESVILLE, GA 30521-4476

Mortgage

Document Number	0000001460/0000000321
Date	Jun 30, 2021
Book Page	0000001460/0000000321

Lender

Name	OCONEE FEDERAL SAVINGS AND LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN GA
Recording Date	Jun 25, 2021
Property Address	441 COLE RD, CARNESVILLE, GA 30521-4476
Document Number	1460/320
Book / Page	1460 / 320
Instrument Date	Jun 25, 2021
Instrument	2021-000880
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount 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	441 COLE RD, CARNESVILLE, GA 30521-4476

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN GA
Property Address	441 COLE RD, CARNESVILLE, GA 30521-4476
Document Number	0013670021
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 COLE RD CARNESVILLE GA 305214476, CARNESVILLE, GA 30521-4476

Mortgage

Document Number	0013670021
Date	Nov 14, 2019
Book Page	001367/000021

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 441 Cole Rd was $1,234 with a homeowner's exemption.

Source: Franklin County assessment roll, as of December 12, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,234.00 Homeowner's exemption	$55,440 Land $6,784 Building $48,656	$138,598 Land $16,959 Building $121,639
2023	$1,070.00	$43,475 Land $2,470 Building $41,004	$108,687 Land $6,176 Building $102,511

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

FEMA maps place 441 Cole Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 441 Cole 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 10 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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