72 Hemlock Ct, Talking Rock, GA 30175 Property Records

Gilmer County property record for 72 Hemlock Ct, Talking Rock, GA 30175

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,567 sqft · built 1999
Lot Size	2.05 acres (89,734 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Nov 2024)
Tax Bill	$4,048 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3086D 008`

Property Details

APN / Parcel Number

Primary APN	`3086D 008`
Alternative APN	`20318`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,567 sqft Heated Area
1st Floor Area	1,659 sqft
2nd Floor Area	908 sqft
Basement Area	1,659 sqft
Unfinished Basement	1,659 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2002
Exterior Material	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	89,734 sqft (2.05 acres)
Garage Area	536 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	676 sqft
Deck Area	32 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20318
Street Address	72 HEMLOCK CT
City	TALKING ROCK
State	GA
Zip	30175-5561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	8R MTN CREEK HOLLOW
Legal Subdivision	MTN CREEK HOLLOW
Legal Phase	1
Legal Lot Number	8*
Jurisdiction	GILMER GA
Township / Civil Division	SOUTH GILMER
Census Block Group	3
Census Block	3039
Census Tract	80500

Owner

Source: Gilmer County records, as of February 19, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	72 HEMLOCK CT, TALKING ROCK, GA 30175-5561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 29, 2020	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK
Aug 28, 2020	Warranty Deed, Transfer · VA Mortgage BOKF

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2024 · Amount on Record
Deed Sale	Nov 8, 2024 · Amount on Record
Prior Sale	Aug 28, 2020 · Amount on Record
Deed Document Number	0002723352
Deed Book / Page	2723 / 352
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILMER GA
Property Address	72 HEMLOCK CT, TALKING ROCK, GA 30175-5561
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 HEMLOCK CT, TALKING ROCK, GA 30175-5561
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002578/0000000243
Date	Feb 14, 2023
Book Page	0000002578/0000000243

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILMER GA
Property Address	72 HEMLOCK CT, TALKING ROCK, GA 30175-5561
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 HEMLOCK CT, TALKING ROCK, GA 30175-5561

Mortgage

Document Number	0000002263/0000000415
Date	Jun 29, 2020
Book Page	0000002263/0000000415
Instrument	002185

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2045

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILMER GA
Recording Date	Aug 28, 2020
Property Address	72 HEMLOCK CT, TALKING ROCK, GA 30175-5561
Document Number	002285/473
Book / Page	2285 / 473
Instrument Date	Aug 28, 2020
Instrument	2020-002421
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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	72 HEMLOCK CT, TALKING ROCK, GA 30175-5561
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004227
Date	Aug 28, 2020
Instrument	004227

Lender

Name	BOKF

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,048.00 (+326.11%) Homeowner's exemption	$264,760 (+5.36%) Land $18,520 Building $246,240	$661,900 (+5.36%) Land $46,300 Building $615,600
2023	$950.00 (-75.85%) Homeowner's exemption Senior Citizen's exemption	$251,280 (+12.4%) Land $12,800 Building $238,480	$628,200 (+12.4%) Land $32,000 Building $596,200
2022	$3,934.00 Homeowner's exemption Senior Citizen's exemption	$223,560 Land $14,080 Building $209,480	$558,900 Land $35,200 Building $523,700

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 December 14, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2012–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2023 · other causes

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 52% of the US · above 73% of Georgia
Wildfire Likelihood	0.1% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ETC Fiber · Cable	2,500 / 2,500

Cell Coverage

5G (outdoors only) and 4G LTE

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