Morgan County property record for 4610 Spears Rd, Madison, GA 30650
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,508 sqft · built 1980 |
| Lot Size | 1.45 acres (63,162 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,678 (2025) |
| Deeds & Mortgages | Sep 2016 Line of Credit Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039 008 A |
| Primary APN | 039 008 A |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,508 sqft Heated Area |
| 1st Floor Area | 2,508 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 63,162 sqft (1.45 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Pool Area | 448 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 576 sqft |
| Shed | 1 Shed |
| Shed Area | 210 sqft |
| Storage Building | 512 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 7809 |
|---|---|
| Street Address | 4610 SPEARS RD |
| City | MADISON |
| State | GA |
| Zip | 30650-5131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Subdivision | RURAL LOT 1 - 2 ACRE |
| Jurisdiction | MORGAN GA |
| Township / Civil Division | GODFREY |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 10500 |
4610 Spears Rd is owned and occupied by two individuals who acquired it in July 1997.
Source: Morgan County records, as of December 9, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4610 SPEARS RD, MADISON, GA 30650-5131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2016 | Deed of Trust, Mortgage · Line of Credit UNITED BANK |
| Oct 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK |
| Oct 12, 2021 | Warranty Deed, Transfer |
| Aug 1, 2018 | Deed of Trust, Mortgage · Loan Modification UNITED BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 1997 |
| Deed Sale | Jul 16, 1997 |
| Prior Sale | Jan 27, 1954 |
| Deed Book / Page | 220 / 165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN GA |
| Property Address | 4610 SPEARS RD, MADISON, GA 30650-5131 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00579/1046 |
|---|---|
| Date | Sep 19, 2016 |
| Book Page | 579/1046 |
| Instrument | 003382 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN GA |
| Property Address | 4610 SPEARS RD, MADISON, GA 30650-5131 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4610 SPEARS RD, MADISON, GA 30650-5131 |
| Document Number | 0000000682/0000000161 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 0000000682/0000000161 |
| Name | UNITED BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN GA |
| Recording Date | Oct 12, 2021 |
| Property Address | 4610 SPEARS RD, MADISON, GA 30650-5131 |
| Document Number | 682/158 |
| Book / Page | 682 / 158 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 2021-001215 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4610 SPEARS RD, MADISON, GA 30650-5131 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN GA |
| Property Address | 4610 SPEARS RD, MADISON, GA 30650-5131 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Name | Verified Name |
|---|
| Document Number | 612/103 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 612/103 |
| Instrument | 002675 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | Loan Modification |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2033 |
The 2025 property tax bill for 4610 Spears Rd was $2,678 with a homeowner's exemption.
Source: Morgan County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,678.00 Homeowner's exemption | $158,557 Land $14,338 Building $144,219 | $396,392 Land $35,844 Building $360,548 |
| 2023 | $2,556.00 (+3.4%) Homeowner's exemption | $110,781 (+9.61%) Land $11,948 Building $98,833 | $276,953 (+9.61%) Land $29,870 Building $247,083 |
| 2022 | $2,472.00 Homeowner's exemption | $101,066 Land $7,169 Building $93,897 | $252,665 Land $17,922 Building $234,743 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4610 Spears Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 26, 2023
| 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 4610 Spears Rd is moderate, ranking above 40% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 73% of Georgia |
|---|---|
| Wildfire Likelihood | 0.09% 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
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