Banks County property record for 565 Silver Shoals Rd, Lula, GA 30554
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,899 sqft · built 1984 |
| Lot Size | 14.1 acres (615,067 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,677 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Sep 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | B27 050 |
| Primary APN | B27 050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,899 sqft Heated Area |
| 1st Floor Area | 1,899 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 615,067 sqft (14.1 acres) |
| Garage Area | 460 sqft |
| Pool Area | 600 sqft |
|---|---|
| Porch | Patio |
| Porch Area | 537 sqft |
| Deck Area | 480 sqft |
| Patio Area | 480 sqft |
| Utility Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 3372 |
|---|---|
| Street Address | 565 SILVER SHOALS RD |
| City | LULA |
| State | GA |
| Zip | 30554-4140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ARR |
| Legal Description | PB15-155 L&E TR 2 PB 35-257 |
| Legal Tract | 2 |
| Jurisdiction | BANKS GA |
| Township / Civil Division | HOMER |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 970200 |
565 Silver Shoals Rd is owned and occupied by two individuals who acquired it in December 2015.
Source: Banks County records, as of November 14, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 565 SILVER SHOALS RD, LULA, GA 30554-4140 |
| 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 |
|---|---|
| Aug 25, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK |
| Sep 7, 2023 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 29, 2015 |
| Transfer Doc | 0000420/24 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 565 SILVER SHOALS RD, LULA, GA 30554-4140 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 565 SILVER SHOALS RD, LULA, GA 30554-4140 |
| Document Number | 0000000548/0000000801 |
|---|---|
| Date | Aug 25, 2023 |
| Book Page | 0000000548/0000000801 |
| Name | REGIONS BANK |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BANKS GA |
| Property Address | 565 SILVER SHOALS RD, LULA, GA 30554-4140 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 565 SILVER SHOALS RD, LULA, GA 30554-4140 |
| Document Number | 0000000549/0000000195 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | 0000000549/0000000195 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
The 2025 property tax bill for 565 Silver Shoals Rd was $2,677 with a homeowner's exemption, down 3.2% from the year before.
Source: Banks County assessment roll, as of November 14, 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 | $2,677.00 (-3.22%) Homeowner's exemption | $202,788 (+6.02%) Land $66,788 Building $136,000 | $506,969 (+6.02%) Land $166,969 Building $340,000 |
| 2024 | $2,766.00 (+49.03%) Homeowner's exemption | $191,272 (+22.19%) Land $60,716 Building $130,556 | $478,179 (+22.19%) Land $151,790 Building $326,389 |
| 2023 | $1,856.00 (+22.67%) Homeowner's exemption | $156,538 (+43.84%) Land $56,480 Building $100,058 | $391,346 (+43.84%) Land $141,200 Building $250,146 |
| 2022 | $1,513.00 Homeowner's exemption | $108,827 Land $44,074 Building $64,753 | $272,069 Land $110,186 Building $161,883 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 565 Silver Shoals Rd 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 565 Silver Shoals 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 50 / 3 |
5G and 4G LTE (outdoors only)
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