451 Ruth St, Athens, GA 30601 Property Records

Athens-Clarke County Unified Government property record for 451 Ruth St, Athens, GA 30601

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,560 sqft · built 2021
Lot Size	0.348 acres (3,695 sqft)
Owner	Trust Name on File
Tax Bill	$4,917 (2025)
Deeds & Mortgages	Dec 2021 Sale Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-3-B7 A-032`

Property Details

APN / Parcel Number

Primary APN	`16-3-B7 A-032`
Alternative APNs	`163B7 A 32` `43560`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,560 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,695 sqft (0.348 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	43560
Street Address	451 RUTH ST
City	ATHENS
State	GA
Zip	30601-2145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-8
Legal Description	LOT 32 - COTTAGES AT HILLTOP
Legal Subdivision	COTTAGES AT HILLTOP
Legal Lot Number	32
Jurisdiction	CLARKE GA
Township / Civil Division	ATHENS
Census Block Group	2
Census Block	2006
Census Tract	30101

Owner

451 Ruth St is held in a trust since December 2021.

Source: Athens-Clarke County Unified Government records, as of November 13, 2025

Owner of Record	Trust Name on File
Mailing Address	907 INDIGO BUNTING RD, STATHAM, GA 30666-2607
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 2, 2021	Warranty Deed, Transfer
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE
Nov 3, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021
Deed Sale	Dec 2, 2021
Prior Sale	Aug 19, 2021 · Amount on File
Deed Document Number	20214937
Deed Book / Page	5302 / 501
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARKE GA
Recording Date	Dec 2, 2021
Property Address	451 RUTH ST, ATHENS, GA 30601-2145
Document Number	0053020501
Book / Page	5302 / 501
Instrument Date	Dec 2, 2021
Instrument	2021-004937
Transaction Type	Transfer
Record Updated	Dec 6, 2022

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	1100 AZIE MORTON RD APT 1105, 1105, AUSTIN, TX 78704-2048
Investor	Possibly a Property Investor

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARKE GA
Recording Date	Aug 19, 2021
Property Address	451 RUTH ST, ATHENS, GA 30601-2145
Document Number	0052490293
Book / Page	5249 / 293
Instrument Date	Aug 19, 2021
Instrument	2021-003489
Transaction Type	Transfer
Record Updated	Dec 6, 2022

Transaction

Amount	Amount on Record
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	907 INDIGO BUNTING RD, STATHAM, GA 30666-2607

Mortgage

Document Number	0052490000000295
Date	Aug 23, 2021
Book Page	0000005249/0000000295

Lender

Name	ALCOVA MORTGAGE

Agreement

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLARKE GA
Recording Date	Nov 3, 2020
Property Address	451 RUTH ST, ATHENS, GA 30601-2145
Document Number	0050720034
Book / Page	005072 / 000034
Instrument Date	Oct 30, 2020
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$770.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	451 RUTH ST ATHENS GA 30601, ATHENS, GA 30601
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 451 Ruth St was $4,917.

Source: Athens-Clarke County Unified Government assessment roll, as of November 13, 2025

Property Jurisdictions

Type	Name
State	Georgia
County / Consolidated City	Athens-Clarke County Unified Government
Unified School District	Clarke County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,917.00	$158,376 Land $18,000 Building $140,376	$395,939 Land $45,000 Building $350,939
2023	$3,968.00 (+15.38%)	$126,978 (+17.77%) Land $18,000 Building $108,978	$317,444 (+17.77%) Land $45,000 Building $272,444
2022	$3,439.00	$107,820 Land $16,000 Building $91,820	$269,549 Land $40,000 Building $229,549

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

Flood

FEMA maps place 451 Ruth St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 15, 2022

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 451 Ruth St is low, with a 0.02% 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	0.02% annual chance
Exposure	None beyond ember reach

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	ATHENS-CLARKE CO WATER SYSTEM serves 125,000 people · EPA ID GA0590000
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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