Fannin County property record for 451 Underwood Rd, Morganton, GA 30560
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,304 sqft · built 2020 |
| Lot Size | 5.58 acres (243,065 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $35,100 (Jan 2014) |
| Tax Bill | $2,496 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0022 027B1 |
| Primary APN | 0022 027B1 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,304 sqft Heated Area |
| Basement Area | 1,536 sqft |
| Unfinished Basement | 1,536 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 243,065 sqft (5.58 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 960 sqft |
| Carport | Carport |
| Carport Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Deck Area | 140 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 27124 |
|---|---|
| Street Address | 451 UNDERWOOD RD |
| City | MORGANTON |
| State | GA |
| Zip | 30560-4159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL |
| Legal Description | 7-1 LL32 DB1083-65* 5.58 ACS |
| Jurisdiction | FANNIN GA |
| Township / Civil Division | MORGANTON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 50500 |
Source: Fannin County records, as of January 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 451 UNDERWOOD RD, MORGANTON, GA 30560-4159 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2020 | Deed of Trust, Mortgage · Commercial Mortgage PIEDMONT BANK |
| Sep 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2014 · Amount on Record |
| Deed Sale | Jan 23, 2014 · Amount on Record |
| Prior Sale | Nov 5, 2013 · Amount on Record |
| Deed Document Number | 2014142 |
| Deed Book / Page | 1083 / 65 |
| Prior Transfer Date | Nov 2, 2009 |
| Prior Transfer Doc | 000912/562 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FANNIN GA |
| Property Address | 451 UNDERWOOD RD, MORGANTON, GA 30560-4159 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000001371/0000000543 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 0000001371/0000000543 |
| Name | PIEDMONT BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FANNIN GA |
| Property Address | 451 UNDERWOOD RD, MORGANTON, GA 30560-4159 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000001523/0000000741 |
|---|---|
| Date | Sep 7, 2022 |
| Book Page | 0000001523/0000000741 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
Source: Fannin County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Fannin County |
| Unified School District | Fannin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,496.00 (+55.9%) | $275,183 (+141.34%) Land $38,005 Building $237,178 | $687,957 (+141.34%) Land $95,012 Building $592,945 |
| 2023 | $114,022 (-0.2%) Land $38,005 Building $76,017 | $285,054 (-0.2%) Land $95,012 Building $190,042 | |
| 2022 | $1,601.00 | $114,255 Land $38,005 Building $76,250 | $285,638 Land $95,012 Building $190,626 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · 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 |
| Flood Insurance Cost | Premium on Record median of 43 policies |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 23 (2004–2021) |
| Claims Outside the SFHA | 8 of 23 |
| Most Recent Claim | Aug 2021 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 95% of Georgia |
|---|---|
| Wildfire Likelihood | 0.3% 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| TDS Telecom DSL | 50 / 10 |
5G (outdoors only) and 4G LTE
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