446 Gerrells Rd, Cleveland, GA 30528 Property Records

White County property record for 446 Gerrells Rd, Cleveland, GA 30528

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 1,752 sqft · built 2000
Lot Size	1.26 acres (54,886 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (May 2020)
Tax Bill	$2,356 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage May 2020 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`076 067A`

Property Details

APN / Parcel Number

Primary APN	`076 067A`
Alternative APN	`79444`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,752 sqft Living Area
1st Floor Area	1,102 sqft
Upper Floors Area	650 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Reinforced Concrete
Roof Material	Wood Shingle
Lot Area	54,886 sqft (1.26 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	266 sqft
Deck Area	380 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	79444
Street Address	446 GERRELLS RD
City	CLEVELAND
State	GA
Zip	30528-4025
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R1
Legal Description	LL 129&130 LD 2
Jurisdiction	WHITE GA
Township / Civil Division	MOSSY CREEK
Census Block Group	3
Census Block	3006
Census Tract	950302

Owner

Source: White County records, as of September 22, 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
Mailing Address	446 GERRELLS RD, CLEVELAND, GA 30528-4025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE
May 20, 2020	Grant Deed, Construction Loan · Construction Mortgage SWBC MTG
Jun 6, 2017	Grant Deed, Transfer · FHA Mortgage HOMESERVICES LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	2020919
Deed Book / Page	1754 / 331
Prior Transfer Date	Jun 7, 2016
Prior Transfer Doc	0016080573
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE GA
Recording Date	May 15, 2020
Property Address	446 GERRELLS RD, CLEVELAND, GA 30528-4025
Document Number	0017540331
Book / Page	1754 / 331
Instrument Date	May 15, 2020
Instrument	2020-000919
Transaction Type	Transfer
Record Updated	Aug 4, 2022

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	446 GERRELLS RD, CLEVELAND, GA 30528-4025

Mortgage

Document Number	0001754332
Date	May 15, 2020
Instrument	1754/332

Lender

Name	SWBC MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2050

May 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	WHITE GA
Recording Date	May 20, 2020
Property Address	446 GERRELLS RD, CLEVELAND, GA 30528-4025
Document Number	0017540331
Book / Page	001754 / 000331
Instrument Date	May 15, 2020
Transaction Type	Construction Loan
Record Updated	Jun 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 GERRELLS RD CLEVELAND GA 305284025, CLEVELAND, GA 30528-4025

Mortgage

Document Number	17540332
Date	May 20, 2020
Book Page	001754/000332

Lender

Name	SWBC MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 19, 2021

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WHITE GA
Recording Date	Jun 6, 2017
Property Address	446 GERRELLS RD, CLEVELAND, GA 30528-4025
Document Number	0016430420
Book / Page	001643 / 000420
Instrument Date	May 26, 2017
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 153 CLEVELAND GA 305280003, CLEVELAND, GA 30528-0003

Mortgage

Document Number	16430423
Date	Jun 6, 2017
Book Page	001643/000423

Lender

Name	HOMESERVICES LNDG
Address	WEST DES MOINES, IA 50266

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2047

Tax Assessment & Valuation

Source: White County assessment roll, as of October 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,356.00 (-1.87%)
2025		$116,512 (+16.55%) Land $12,296 Building $104,216	$291,280 (+16.55%) Land $30,740 Building $260,540
2024	$2,401.00 (+16.89%)
2023		$99,964 (+15.44%) Land $9,840 Building $90,124	$249,910 (+15.44%) Land $24,600 Building $225,310
2022	$2,054.00	$86,592 Land $8,608 Building $77,984	$216,480 Land $21,520 Building $194,960

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 January 5, 2018 · 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

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 57% of the US · above 84% of Georgia
Wildfire Likelihood	0.2% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Cable in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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