588 Bell Rd, Lula, GA 30554 Property Records

Banks County property record for 588 Bell Rd, Lula, GA 30554

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,643 sqft · built 1979
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Dec 2023)
Tax Bill	$2,748 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B09 076`

Property Details

APN / Parcel Number

Primary APN	`B09 076`
Alternative APN	`2173`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,643 sqft Heated Area
1st Floor Area	1,643 sqft
Basement Area	1,537 sqft
Finished Basement	1,537 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Porch	Open Porch
Porch Area	290 sqft
Patio Area	318 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	2173
Street Address	588 BELL RD
City	LULA
State	GA
Zip	30554-4002
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	ARR
Legal Description	TR 2 PB 35-318
Legal Subdivision	TRACT 1
Legal Tract	2
Jurisdiction	BANKS GA
Township / Civil Division	MAYSVILLE
Census Block Group	1
Census Block	1056
Census Tract	970300

Owner

588 Bell Rd, a rural home, is owned and occupied by an individual who bought it in December 2023.

Source: Banks County records, as of November 13, 2025

Owner of Record	Individual Name on File
Mailing Address	588 BELL RD, LULA, GA 30554-4002
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
Jul 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage HOUSING AND URBAN DEVELOPMENT AUTHORITY
Dec 11, 2023	Limited Warranty Deed, Transfer · Conventional Mortgage WILKES JUSTIN CHARLES
Dec 6, 2019	Administrator's Deed, Transfer
Dec 6, 2019	Administrator's Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2023 · Amount on File
Deed Sale	Dec 11, 2023 · Amount on File
Deed Document Number	0000554253
Deed Book / Page	554 / 253
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	588 BELL RD, LULA, GA 30554-4002
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	588 BELL RD, LULA, GA 30554-4002

Mortgage

Document Number	0000000547/0000000286
Date	Jul 25, 2023
Book Page	0000000547/0000000286

Lender

Name	HOUSING AND URBAN DEVELOPMENT AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jan 1, 2050

December 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Dec 11, 2023
Property Address	588 BELL RD, LULA, GA 30554-4002
Document Number	000554/253
Book / Page	554 / 253
Instrument Date	Nov 22, 2023
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	588 BELL RD, LULA, GA 30554-4002

Mortgage

Document Number	0000554255
Date	Dec 11, 2023
Instrument	554/255

Lender

Name	WILKES JUSTIN CHARLES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	25 Months
Due	Jan 1, 2026

December 2019: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	BANKS GA
Recording Date	Dec 6, 2019
Property Address	588 BELL RD, LULA, GA 30554-4002
Document Number	000475/298
Book / Page	475 / 298
Instrument Date	Dec 6, 2019
Instrument	2019-000963
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	588 BELL RD, LULA, GA 30554-4002

December 2019: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	BANKS GA
Recording Date	Dec 6, 2019
Property Address	588 BELL RD, LULA, GA 30554-4002
Document Number	000475/296
Book / Page	475 / 296
Instrument Date	Dec 6, 2019
Instrument	2019-000962
Transaction Type	Transfer
Record Updated	Apr 2, 2024

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 Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	588 BELL RD, LULA, GA 30554-4002

Mortgage

Document Number	0000000475/0000000300
Date	Dec 13, 2019
Book Page	0000000475/0000000300

Lender

Name	VANDERBILT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 588 Bell Rd was $2,748, up 1.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,748.00 (+1.1%)	$143,931 (+4.33%) Land $30,745 Building $113,186	$359,827 (+4.33%) Land $76,863 Building $282,964
2024	$2,718.00 (+80.72%)	$137,956 (+46.91%) Land $27,950 Building $110,006	$344,889 (+46.91%) Land $69,875 Building $275,014
2023	$1,504.00 (-6%) Homeowner's exemption	$93,903 (+20.1%) Land $23,695 Building $70,208	$234,759 (+20.1%) Land $59,238 Building $175,521
2022	$1,600.00 Homeowner's exemption	$78,188 Land $17,133 Building $61,055	$195,470 Land $42,833 Building $152,637

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 588 Bell 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

Wildfire risk around 588 Bell Rd is moderate, ranking above 42% 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 42% of the US · lower than 65% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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