Floyd County property record for 61 Padlock Mountain Rd SW, Cave Spring, GA 30124
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,020 sqft · built 1982 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,830 (Sep 2005) |
| Tax Bill | $378 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Aug 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | E19Z--009 |
| Primary APN | E19Z--009 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,020 sqft Heated Area |
| Utility Area | 48 sqft |
| Utility Room | Utility Room |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | 24 sqft |
| Utility Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 40488 |
|---|---|
| Street Address | 61 PADLOCK MOUNTAIN RD SW |
| City | CAVE SPRING |
| State | GA |
| Zip | 30124-2705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NONE |
| Legal Description | LT6 PADLOCK MTN EST PB15-32 |
| Legal Subdivision | PADLOCK MTN EST |
| Legal Lot Number | 6 |
| Jurisdiction | FLOYD GA |
| Township / Civil Division | CAVE SPRING |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 2000 |
61 Padlock Mountain Rd SW is owned and occupied by two individuals who bought it in September 2005.
Source: Floyd County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 61 PADLOCK MOUNTAIN RD SW, CAVE SPRING, GA 30124-2705 |
| 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 |
|---|---|
| Sep 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage VANDERBILT MORTGAGE |
| Aug 31, 2022 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2005 · Amount on File |
| Deed Sale | Sep 30, 2005 · Amount on File |
| Prior Sale | Jan 16, 2001 |
| Deed Document Number | 20054489 |
| Deed Book / Page | 1970 / 640 |
| Prior Transfer Date | Feb 5, 1982 |
| Prior Transfer Doc | 0857000481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLOYD GA |
| Recording Date | Sep 29, 2023 |
| Property Address | 61 PADLOCK MOUNTAIN RD SW, CAVE SPRING, GA 30124-2705 |
| Document Number | 0028140218 |
| Book / Page | 2814 / 218 |
| Instrument Date | Sep 22, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | GA |
| Document Number | 0002814219 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 2814/219 |
| Name | VANDERBILT MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD GA |
| Property Address | 61 PADLOCK MOUNTAIN RD SW, CAVE SPRING, GA 30124-2705 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 61 PADLOCK MOUNTAIN RD SW, CAVE SPRING, GA 30124-2705 |
| Investor | Possibly a Property Investor |
| Document Number | 0027640000001283 |
|---|---|
| Date | Aug 31, 2022 |
| Book Page | 0000002764/0000001283 |
| Name | AMERICAN ADVISORS GROUP |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 929 Months |
| Due | Jan 1, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.79% |
The 2026 property tax bill for 61 Padlock Mountain Rd SW was $378 with a homeowner's exemption, down 54.9% from the year before.
Source: Floyd County assessment roll, as of January 12, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Floyd County |
| Municipality | Cave Spring City |
| Unified School District | Floyd County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $378.00 (-54.95%) Homeowner's exemption | ||
| 2025 | $839.00 (+0.24%) Homeowner's exemption | $37,816 (+8.41%) Land $6,603 Building $31,213 | $94,540 (+8.41%) Land $16,508 Building $78,032 |
| 2024 | $837.00 (+162.38%) Homeowner's exemption | $34,882 (-7.67%) Land $5,870 Building $29,012 | $87,203 (-7.67%) Land $14,674 Building $72,529 |
| 2023 | $319.00 (-52.74%) Homeowner's exemption | $37,780 (+26.45%) Land $5,336 Building $32,444 | $94,451 (+26.46%) Land $13,340 Building $81,111 |
| 2022 | $675.00 Homeowner's exemption | $29,877 Land $4,361 Building $25,516 | $74,691 Land $10,902 Building $63,789 |
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.
FEMA maps place 61 Padlock Mountain Rd SW in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
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 risk around 61 Padlock Mountain Rd SW is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 96% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CAVE SPRING serves 4,248 people · EPA ID GA1150000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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