720 Ruby Lake Dr, Hiawassee, GA 30546 Property Records

Towns County property record for 720 Ruby Lake Dr, Hiawassee, GA 30546

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,440 sqft · built 1984
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$274,900 (Aug 2024)
Tax Bill	$774 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0034A260`

Property Details

APN / Parcel Number

Primary APN	`0034A260`
Alternative APN	`5882`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,440 sqft Heated Area
1st Floor Area	720 sqft
Flooring	Tile
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Deck Area	192 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	5882
Street Address	720 RUBY LAKE DR
City	HIAWASSEE
State	GA
Zip	30546-4736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BMP S-2 B-A LT 1
Legal Subdivision	BMP - SMALLER LOTS
Legal Lot Number	1
Jurisdiction	TOWNS GA
Township / Civil Division	MACEDONIA
Census Block Group	3
Census Block	3037
Census Tract	960200

Owner

Source: Towns County records, as of March 30, 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
Mailing Address	720 RUBY LAKE DR, HIAWASSEE, GA 30546-4736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Warranty Deed, Transfer · Conventional Mortgage NELSON TIMOTHY
Jan 20, 2023	Warranty Deed, Transfer · Conventional Mortgage NELSON TIMOTHY
Jul 17, 2020	Warranty Deed, Transfer · Stand-Alone Second Mortgage MAGNOLIA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2024 · Amount on Record
Deed Sale	Aug 7, 2024 · Amount on Record
Prior Sale	Jan 23, 2023 · Amount on Record
Deed Book / Page	732 / 315
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOWNS GA
Recording Date	Jan 20, 2023
Property Address	720 RUBY LAKE DR, HIAWASSEE, GA 30546-4736
Document Number	000708/845
Book / Page	708 / 845
Instrument Date	Jan 20, 2023
Instrument	2023-000066
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	1049 AZALEA POINTE DR, PORT ORANGE, FL 32129-4100
Investor	Possibly a Property Investor

Mortgage

Document Number	0000708848
Date	Jan 20, 2023
Instrument	708/848

Lender

Name	NELSON TIMOTHY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 1, 2025

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOWNS GA
Recording Date	Jan 20, 2023
Property Address	720 RUBY LAKE DR, HIAWASSEE, GA 30546
Document Number	000708/845
Book / Page	708 / 845
Instrument Date	Jan 20, 2023
Instrument	2023-000066
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	1049 AZALEA POINTE DR, PORT ORANGE, FL 32129-4100
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000708/0000000848
Date	Jan 23, 2023
Book Page	0000000708/0000000848

Lender

Name	NELSON TIMOTHY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 1, 2025

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TOWNS GA
Recording Date	Jul 17, 2020
Property Address	720 RUBY LAKE DR, HIAWASSEE, GA 30546-4736
Document Number	000651/732
Book / Page	651 / 732
Instrument Date	Jul 17, 2020
Instrument	2020-000696
Transaction Type	Transfer
Record Updated	Feb 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	9030 OAKFIELD DR, STATESBORO, GA 30461-7385

Mortgage

Document Number	0000000651/0000000734
Date	Jul 20, 2020
Book Page	0000000651/0000000734

Lender

Name	MAGNOLIA BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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	$774.00 (+36.51%)	$97,933 (+110.43%) Land $10,000 Building $87,933	$244,833 (+110.43%) Land $25,000 Building $219,833
2023		$46,539 (+13.33%) Land $8,000 Building $38,539	$116,347 (+13.33%) Land $20,000 Building $96,347
2022	$567.00	$41,066 Land $6,000 Building $35,066	$102,666 Land $15,000 Building $87,666

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

Flood

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

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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