Banks County property record for 451 Ridge Ln, Lula, GA 30554
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,276 sqft · built 1995 |
| Lot Size | 4.92 acres (214,751 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,593 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B06E029 |
| Primary APN | B06E029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,276 sqft Heated Area |
| 1st Floor Area | 1,276 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 214,751 sqft (4.92 acres) |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 176 sqft |
| Patio Area | 306 sqft |
| Lean-To | 240 sqft |
| Storage Building | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 27 |
|---|---|
| Street Address | 451 RIDGE LN |
| City | LULA |
| State | GA |
| Zip | 30554-3614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARR |
| Legal Description | LT 19 PHASE 2 PB12-125 |
| Legal Subdivision | HUDSON RIVER FALLS - 00611 |
| Legal Phase | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | BANKS GA |
| Township / Civil Division | BALDWIN |
| Census Block Group | 4 |
| Census Block | 4027 |
| Census Tract | 970100 |
451 Ridge Ln is owned and occupied by an individual who acquired it in April 2021.
Source: Banks County records, as of November 13, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 451 RIDGE LN, LULA, GA 30554-3614 |
| 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.
| Date | Document |
|---|---|
| Apr 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST OPTION MORTGAGE |
| Nov 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2021 |
| Deed Sale | Apr 21, 2021 |
| Deed Document Number | 0000502840 |
| Deed Book / Page | 320 / 504 |
| Prior Transfer Date | Jan 23, 2008 |
| Prior Transfer Doc | 2008-000095 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 451 RIDGE LN, LULA, GA 30554-3614 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 451 RIDGE LN, LULA, GA 30554-3614 |
| Document Number | 0000000502/0000000841 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 0000000502/0000000841 |
| Name | FIRST OPTION MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 451 RIDGE LN, LULA, GA 30554-3614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 451 RIDGE LN, LULA, GA 30554-3614 |
| Document Number | 0000000473/0000000439 |
|---|---|
| Date | Nov 1, 2019 |
| Book Page | 0000000473/0000000439 |
| Name | DITECH FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2039 |
The 2025 property tax bill for 451 Ridge Ln was $1,593 with a homeowner's exemption, down 3% from the year before.
Source: Banks County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Banks County |
| Unified School District | Banks County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,593.00 (-3.04%) Homeowner's exemption | $90,275 (+5.67%) Land $26,898 Building $63,377 | $225,688 (+5.67%) Land $67,246 Building $158,442 |
| 2024 | $1,643.00 (+103.09%) Homeowner's exemption | $85,434 (+42.99%) Land $24,453 Building $60,981 | $213,586 (+42.99%) Land $61,133 Building $152,453 |
| 2023 | $809.00 (-17.78%) Homeowner's exemption | $59,749 (+22.35%) Land $23,418 Building $36,331 | $149,372 (+22.35%) Land $58,545 Building $90,827 |
| 2022 | $984.00 Homeowner's exemption | $48,833 Land $16,947 Building $31,886 | $122,084 Land $42,368 Building $79,716 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 451 Ridge Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 17, 2010
| 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 risk around 451 Ridge Ln is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 58% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
5G (outdoors only) and 4G LTE
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