78 Ridgeback Rd, Talking Rock, GA 30175 Property Records

Gilmer County property record for 78 Ridgeback Rd, Talking Rock, GA 30175

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,132 sqft · built 1984
Lot Size	1.74 acres (75,794 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Mar 2026)
Tax Bill	$820 (2025)
Deeds & Mortgages	May 2008 Mortgage Mar 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3086 004A`

Property Details

APN / Parcel Number

Primary APN	`3086 004A`
Alternative APN	`32356`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,132 sqft Heated Area
1st Floor Area	1,066 sqft
Basement Area	1,066 sqft
Finished Basement	1,066 sqft
Flooring	Hardwood
Interior Walls	Plywood

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	75,794 sqft (1.74 acres)
Porch	Slab
Porch Area	328 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	32356
Street Address	78 RIDGEBACK RD
City	TALKING ROCK
State	GA
Zip	30175-4716
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R1
Legal Description	PT OF TR C
Legal Tract	C
Jurisdiction	GILMER GA
Township / Civil Division	SOUTH GILMER
Census Block Group	3
Census Block	3033
Census Tract	80500

Owner

Source: Gilmer County records, as of June 30, 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	PO BOX 149, ELLIJAY, GA 30540-0003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2008	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Mar 13, 2026	Warranty Deed, Transfer TRUIST BANK
Aug 1, 2025	Warranty Deed, Transfer · Line of Credit DEALER REMARKETING
Feb 25, 2022	Warranty Deed, Transfer
Apr 27, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Aug 1, 2025 · Amount on Record
Deed Book / Page	2841 / 68
Prior Transfer Date	Jul 15, 2004
Prior Transfer Doc	1067000288
Record Updated	Sep 20, 2026

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILMER GA
Property Address	78 RIDGEBACK RD, TALKING ROCK, GA 30175-4716
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001478/262
Date	May 23, 2008
Book Page	1478/262
Instrument	004460

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jun 1, 2011

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILMER GA
Recording Date	Mar 13, 2026
Property Address	78 RIDGEBACK RD, TALKING ROCK, GA 30175-4716
Document Number	0002841/68
Book / Page	2841 / 68
Instrument Date	Mar 13, 2026
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 149, ELLIJAY, GA 30540-0003

Mortgage

Document Number	0000284170
Date	Mar 13, 2026
Instrument	2841/70

Lender

Name	TRUIST BANK

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2056

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILMER GA
Recording Date	Aug 1, 2025
Property Address	78 RIDGEBACK RD, TALKING ROCK, GA 30175-4716
Document Number	002784/191
Book / Page	2784 / 191
Instrument Date	Aug 1, 2025
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 RAVEN CLIFF RD, TALKING ROCK, GA 30175-1788

Mortgage

Document Number	0002784193
Date	Aug 1, 2025
Instrument	2784/193

Lender

Name	DEALER REMARKETING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	17 Months
Due	Jan 1, 2027

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILMER GA
Recording Date	Feb 25, 2022
Property Address	78 RIDGEBACK RD, TALKING ROCK, GA 30175-4716
Document Number	002484/245
Book / Page	2484 / 245
Instrument Date	Feb 25, 2022
Instrument	2022-000801
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	RIDGEBACK RD, TALKING ROCK, GA 30175

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILMER GA
Recording Date	Apr 27, 2018
Property Address	78 RIDGEBACK RD, TALKING ROCK, GA 30175-4716
Document Number	002098/460
Book / Page	2098 / 460
Instrument Date	Apr 27, 2018
Instrument	2018-000982
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2865, BLUE RIDGE, GA 30513-0051

Tax Assessment & Valuation

Source: Gilmer County assessment roll, as of February 20, 2026

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	$820.00 (-12.11%) Homeowner's exemption	$66,120 (-6.89%) Land $14,120 Building $52,000	$165,300 (-6.89%) Land $35,300 Building $130,000
2023	$933.00 (-34.3%) Homeowner's exemption	$71,016 (-12.03%) Land $17,880 Building $53,136	$177,540 (-12.03%) Land $44,700 Building $132,840
2022	$1,420.00 Homeowner's exemption	$80,728 Land $34,440 Building $46,288	$201,820 Land $86,100 Building $115,720

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
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 40% of the US · lower than 73% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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