640 Oconee Dr, Sparta, GA 31087 Property Records

Hancock County property record for 640 Oconee Dr, Sparta, GA 31087

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,209 sqft · built 2005
Lot Size	1.56 acres (67,954 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (May 2006)
Tax Bill	$2,991 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005B 123`

Property Details

APN / Parcel Number

Primary APN	`005B 123`
Alternative APN	`803`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,209 sqft Heated Area
1st Floor Area	806 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	67,954 sqft (1.56 acres)

Exterior Amenities

Porch	Slab
Porch Area	245 sqft
Deck Area	404 sqft
Utility Building	352 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	803
Street Address	640 OCONEE DR
City	SPARTA
State	GA
Zip	31087
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	S S LT 263 & 264
Legal Subdivision	SCENIC SHORES
Legal Lot Number	263,264
Jurisdiction	HANCOCK GA
Township / Civil Division	DEVEREUX
Census Block Group	1
Census Block	1055
Census Tract	480300

Owner

Source: Hancock County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	171 CHURCHILL DR, JULIETTE, GA 31046-3838
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2006 · Amount on Record
Deed Sale	May 31, 2006 · Amount on Record
Prior Sale	Jun 17, 2005 · Amount on Record
Deed Document Number	2006495
Deed Book / Page	306 / 329
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK GA
Property Address	640 OCONEE DR, SPARTA, GA 31087
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SUNHAVEN LN, SPARTA, GA 31087-5317

Mortgage

Document Number	0000000635/0000000207
Date	Feb 5, 2026
Book Page	0000000635/0000000207

Lender

Name	VILLAGE CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK GA
Property Address	640 OCONEE DR, SPARTA, GA 31087
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 OCONEE DR
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000571/0000000291
Date	Sep 20, 2021
Book Page	0000000571/0000000291
Instrument	001637

Lender

Name	JP MORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

Source: Hancock County assessment roll, as of December 15, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,991.00 (+12.87%)	$81,374 (-) Land $44,800 Building $36,574	$203,436 (-) Land $112,000 Building $91,436
2023	$2,650.00 (+1.92%) Homeowner's exemption	$81,374 (-) Land $44,800 Building $36,574	$203,436 (-) Land $112,000 Building $91,436
2022	$2,600.00 Homeowner's exemption	$81,374 Land $44,800 Building $36,574	$203,436 Land $112,000 Building $91,436

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

Source: FEMA National Flood Hazard Layer, effective January 26, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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

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	0.07% 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)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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