638 Ruby Lake Dr, Hiawassee, GA 30546 Property Records

Towns County property record for 638 Ruby Lake Dr, Hiawassee, GA 30546

Property Summary

Property Type	Single Family Home
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$35,500 (Aug 2021)
Tax Bill	$114 (2025)
Deeds & Mortgages	Aug 2021 Sale Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0034A266`

Property Details

APN / Parcel Number

Primary APN	`0034A266`
Alternative APN	`5888`

Interior

Gross Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	5,663 sqft (0.13 acres)
RV Parking	RV Parking
Storage Building	48 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	5888
Street Address	638 RUBY LAKE DR
City	HIAWASSEE
State	GA
Zip	30546-4758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BMP LT 5 BLK A SEC 1
Legal Subdivision	BMP - LARGER LOTS
Legal Block	A
Legal Lot Number	5
Jurisdiction	TOWNS GA
Township / Civil Division	MACEDONIA
Census Block Group	3
Census Block	3036
Census Tract	960200

Owner

638 Ruby Lake Dr is owned by an individual who bought it in August 2021.

Source: Towns County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	1722 ABE COVE RD, HIAWASSEE, GA 30546-2605
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
Aug 30, 2021	Warranty Deed, Transfer
Sep 16, 2020	Warranty Deed, Transfer
Oct 3, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Prior Sale	Sep 16, 2020 · Amount on File
Deed Document Number	20211195
Deed Book / Page	682 / 641
Prior Transfer Date	Jun 30, 1970
Prior Transfer Doc	0001000457
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOWNS GA
Recording Date	Aug 30, 2021
Property Address	638 RUBY LAKE DR, HIAWASSEE, GA 30546-4758
Document Number	000682/641
Book / Page	682 / 641
Instrument Date	Aug 30, 2021
Instrument	2021-001195
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1722 ABE COVE RD, HIAWASSEE, GA 30546-2605

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOWNS GA
Recording Date	Sep 16, 2020
Property Address	638 RUBY LAKE DR, HIAWASSEE, GA 30546-4758
Document Number	000656/473
Book / Page	656 / 473
Instrument Date	Sep 16, 2020
Instrument	2020-000988
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 CEDAR ST, LAVONIA, GA 30553-2110

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOWNS GA
Recording Date	Oct 3, 2019
Property Address	638 RUBY LAKE DR, HIAWASSEE, GA 30546-4758
Document Number	000636/172
Book / Page	636 / 172
Instrument Date	Oct 3, 2019
Instrument	2019-001058
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4461 ROCK CREEK RD, HIAWASSEE, GA 30546-4734

Tax Assessment & Valuation

The 2025 property tax bill for 638 Ruby Lake Dr was $114.

Source: Towns County assessment roll, as of March 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$114.00	$12,218 Land $10,000 Building $2,218	$30,546 Land $25,000 Building $5,546
2023		$9,536 (+33.33%) Land $8,000 Building $1,536	$23,840 (+33.33%) Land $20,000 Building $3,840
2022	$98.00	$7,152 Land $6,000 Building $1,152	$17,880 Land $15,000 Building $2,880

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 638 Ruby Lake Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 16, 2011

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 638 Ruby Lake Dr is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 42% of Georgia
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HIAWASSEE serves 5,496 people · EPA ID GA2810000
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable · DSL	1,000 / 25
Starlink Satellite	280 / 30

May also be available: Blue Ridge Mountain EMC.

Cell Coverage

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

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