445 Cardinal Dr, Monticello, GA 31064 Property Records

Jasper County property record for 445 Cardinal Dr, Monticello, GA 31064

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,306 sqft · built 2006
Lot Size	0.914 acres (39,826 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (May 2018)
Tax Bill	$4,854 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`025A--075`

Property Details

APN / Parcel Number

Primary APN	`025A--075`
Alternative APN	`3561`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,306 sqft Heated Area
Basement Area	1,039 sqft
Finished Basement	1,039 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,826 sqft (0.914 acres)

Exterior Amenities

Porch	Slab
Porch Area	1,840 sqft
Deck Area	30 sqft
Patio Area	1,962 sqft
Utility Building	290 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3561
Street Address	445 CARDINAL DR
City	MONTICELLO
State	GA
Zip	31064-8855
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2-15
Legal Description	PB4-191 CARDINAL 32 & 33 DB985/88
Legal Subdivision	TURTLE COVE INTERIOR
Jurisdiction	JASPER GA
Township / Civil Division	MONTICELLO
Census Block Group	2
Census Block	2015
Census Tract	10501

Owner

445 Cardinal Dr is owned and occupied by an individual who bought it in May 2018.

Source: Jasper County records, as of March 17, 2026

Owner of Record	Individual Name on File
Mailing Address	445 CARDINAL DR, MONTICELLO, GA 31064-8855
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
May 10, 2018	Grant Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK
Apr 10, 2017	Quit Claim Deed, Mortgage · FHA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2018 · Amount on File
Deed Sale	May 7, 2018 · Amount on File
Prior Sale	Mar 31, 2011 · Amount on File
Deed Document Number	2018328
Deed Book / Page	985 / 88
Prior Transfer Date	Jul 3, 1996
Prior Transfer Doc	0180000181
Record Updated	Oct 29, 2026

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JASPER GA
Recording Date	May 10, 2018
Property Address	445 CARDINAL DR, MONTICELLO, GA 31064-8855
Document Number	0009850088
Book / Page	000985 / 000088
Instrument Date	May 7, 2018
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 CARDINAL DR MONTICELLO GA 310648855, MONTICELLO, GA 31064-8855

Mortgage

Document Number	9850091
Date	May 10, 2018
Book Page	000985/000091

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 9, 2048

April 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	JASPER GA
Recording Date	Apr 10, 2017
Property Address	445 CARDINAL DR, MONTICELLO, GA 31064-8855
Document Number	0009470014
Book / Page	000947 / 000014
Instrument Date	Apr 3, 2017
Instrument	785
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 CARDINAL DR MONTICELLO GA 310648855, MONTICELLO, GA 31064-8855

Mortgage

Document Number	9470016
Date	Apr 10, 2017
Book Page	000947/000016
Instrument	786

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 445 Cardinal Dr was $4,854 with a homeowner's exemption.

Source: Jasper County assessment roll, as of March 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,854.00 Homeowner's exemption	$223,800 Land $6,000 Building $217,800	$559,500 Land $15,000 Building $544,500
2023	$3,971.00 (-10.96%) Homeowner's exemption	$156,120 (+10.01%) Land $3,880 Building $152,240	$390,300 (+10.01%) Land $9,700 Building $380,600
2022	$4,460.00 Homeowner's exemption	$141,920 Land $3,880 Building $138,040	$354,800 Land $9,700 Building $345,100

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

Flood

FEMA maps place 445 Cardinal Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 14, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

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 445 Cardinal Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TURTLE COVE POA private · serves 2,514 people · EPA ID GA1590002
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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