537 Ruff Rd, Rockmart, GA 30153 Property Records

Polk County property record for 537 Ruff Rd, Rockmart, GA 30153

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,514 sqft · built 1997
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$126,300 (May 2017)
Tax Bill	$1,566 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`057-118F`

Property Details

APN / Parcel Number

Primary APN	`057-118F`
Alternative APN	`17879`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,514 sqft Heated Area
1st Floor Area	1,514 sqft
Flooring	Wood
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Wood
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	High
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17879
Street Address	537 RUFF RD
City	ROCKMART
State	GA
Zip	30153-4805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LL 334
Legal Subdivision	LAKEVIEW AREA
Legal Block	118F
Jurisdiction	POLK GA
Township / Civil Division	ROCKMART
Census Block Group	1
Census Block	1050
Census Tract	10700

Owner

537 Ruff Rd is owned and occupied by two individuals who acquired it in May 2017.

Source: Polk County records, as of February 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	537 RUFF RD, ROCKMART, GA 30153-4805
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Line of Credit COOSA VALLEY CREDIT UNION
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 23, 2017	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2017 · Amount on File
Deed Sale	May 18, 2017 · Amount on File
Prior Sale	Aug 18, 2016 · Amount on File
Deed Document Number	0001626316
Deed Book / Page	1626 / 316
Last Transfer Date	May 23, 2017
Transfer Doc	0016260316
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK GA
Property Address	537 RUFF RD, ROCKMART, GA 30153-4805
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 RUFF RD, ROCKMART, GA 30153-4805

Mortgage

Document Number	0018720000000156
Date	Nov 9, 2023
Book Page	0000001872/0000000156

Lender

Name	COOSA VALLEY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2038

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK GA
Property Address	537 RUFF RD, ROCKMART, GA 30153-4805
Document Number	0017620014
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	537 RUFF RD ROCKMART GA 301534805, ROCKMART, GA 30153-4805

Mortgage

Document Number	0017620014
Date	Sep 1, 2020
Book Page	001762/000014
Instrument	3400

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 31, 2040

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK GA
Recording Date	May 23, 2017
Property Address	537 RUFF RD, ROCKMART, GA 30153-4805
Document Number	0016260316
Book / Page	001626 / 000316
Instrument Date	May 18, 2017
Instrument	2073
Transaction Type	Transfer
Record Updated	May 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
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	537 RUFF RD ROCKMART GA 301534805, ROCKMART, GA 30153-4805

Mortgage

Document Number	16260318
Date	May 23, 2017
Book Page	001626/000318
Instrument	2074

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 537 Ruff Rd was $1,566 with exemptions applied.

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

Property Jurisdictions

Type	Name
State	Georgia
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,566.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$100,429 Land $5,400 Building $95,029	$251,072 Land $13,500 Building $237,572
2023	$995.00 (-11.24%) Homeowner's exemption	$55,333 (+18.6%) Land $4,050 Building $51,283	$138,333 (+18.6%) Land $10,125 Building $128,208
2022	$1,121.00 Homeowner's exemption	$46,657 Land $2,700 Building $43,957	$116,642 Land $6,750 Building $109,892

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 537 Ruff Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective June 7, 2019 · 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	3 (2003–2021)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2021 · river or lake flooding

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 537 Ruff Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · above 90% of Georgia
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: HCI.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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