45 Oak Rdg, Winder, GA 30680 Property Records

Barrow County property record for 45 Oak Rdg, Winder, GA 30680

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,868 sqft · built 1980
Lot Size	2.78 acres (121,097 sqft)
Owner	Trust Name on File
Tax Bill	$2,164 (2025)
Deeds & Mortgages	Dec 2025 Sale Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WN18 097`

Property Details

APN / Parcel Number

Primary APN	`WN18 097`
Alternative APN	`11905`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,868 sqft Heated Area
Basement Area	825 sqft
Unfinished Basement	825 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2014
Architectural Style	Other
Exterior Material	Fiber Cement Siding
Construction Type	Light Frame
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	121,097 sqft (2.78 acres)
Terrain	Rolling
Garage Area	400 sqft
Porch	Open Porch
Porch Area	108 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11905
Street Address	45 OAK RDG
City	WINDER
State	GA
Zip	30680-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	45 OAK RIDGE
Legal Subdivision	NORTHWOODS
Jurisdiction	BARROW GA
Township / Civil Division	WINDER
Census Block Group	1
Census Block	1033
Census Tract	180302

Owner

45 Oak Rdg is owner-occupied and held in a trust since December 2025.

Source: Barrow County records, as of January 30, 2026

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	45 OAK RDG, WINDER, GA 30680-3636
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 18, 2025	Warranty Deed, Transfer
Jul 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Sep 16, 2020	Grant Deed, Transfer · Conventional with PMI MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2025
Deed Sale	Dec 18, 2025
Prior Sale	Sep 14, 2020 · Amount on File
Deed Document Number	0003012458
Deed Book / Page	3012 / 458
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BARROW GA
Recording Date	Dec 18, 2025
Property Address	45 OAK RDG, WINDER, GA 30680-3636
Document Number	003012/458
Book / Page	3012 / 458
Instrument Date	Dec 18, 2025
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 OAK RDG, WINDER, GA 30680-3636

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARROW GA
Property Address	45 OAK RDG, WINDER, GA 30680-3636
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021500441
Date	Jul 23, 2018
Book Page	2150/441

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Aug 1, 2058

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BARROW GA
Recording Date	Sep 16, 2020
Property Address	45 OAK RDG, WINDER, GA 30680-3636
Document Number	0023790730
Book / Page	002379 / 000730
Instrument Date	Sep 14, 2020
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 OAK RDG WINDER GA 306803636, WINDER, GA 30680-3636

Mortgage

Document Number	23790731
Date	Sep 16, 2020
Book Page	002379/000731

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 45 Oak Rdg was $2,164 with exemptions applied.

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

Property Jurisdictions

Type	Name
State	Georgia
County	Barrow County
Municipality	Winder City
Unified School District	Barrow County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,164.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$126,949 Land $30,024 Building $96,925	$317,372 Land $75,060 Building $242,312
2023	$4,088.00 (+44.96%) Homeowner's exemption	$126,949 (+39.31%) Land $30,024 Building $96,925	$317,372 (+39.31%) Land $75,060 Building $242,312
2022	$2,820.00 Homeowner's exemption	$91,124 Land $30,024 Building $61,100	$227,809 Land $75,060 Building $152,749

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

Flood

FEMA maps place 45 Oak Rdg in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective November 30, 2022 · 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 Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2003 · rainfall accumulation

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 45 Oak Rdg is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WINDER serves 51,540 people · EPA ID GA0130002
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Point Broadband Fiber	1,000 / 1,000

May also be available: Verizon, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Rdg

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