791 Silver Shoals Rd, Lula, GA 30554 Property Records

Banks County property record for 791 Silver Shoals Rd, Lula, GA 30554

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,997 sqft · built 2001
Lot Size	2.75 acres (119,790 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (May 2026)
Tax Bill	$2,464 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B27 055A`

Property Details

APN / Parcel Number

Primary APN	`B27 055A`
Alternative APN	`7490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,997 sqft Heated Area
1st Floor Area	1,997 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	119,790 sqft (2.75 acres)
Garage Area	572 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	7490
Street Address	791 SILVER SHOALS RD
City	LULA
State	GA
Zip	30554-4157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ARR
Legal Description	TR 2 PB 37-368
Legal Subdivision	WILLIAM C & DEBORAH D PAULK
Legal Tract	2
Jurisdiction	BANKS GA
Township / Civil Division	HOMER
Census Block Group	4
Census Block	4006
Census Tract	970200

Owner

791 Silver Shoals Rd is owned and occupied by two individuals who bought it in May 2026.

Source: Banks County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	791 SILVER SHOALS RD, LULA, GA 30554-4157
Occupancy	Owner Occupied
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
May 27, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage MORTGAGE US
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING
Jul 19, 2021	Limited Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2026 · Amount on File
Deed Sale	May 27, 2026 · Amount on File
Prior Sale	Jul 19, 2021 · Amount on File
Deed Book / Page	600 / 694
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BANKS GA
Recording Date	May 27, 2026
Property Address	791 SILVER SHOALS RD, LULA, GA 30554-4157
Document Number	0600000694
Book / Page	600 / 694
Instrument Date	May 22, 2026
Transaction Type	Transfer
Record Updated	Jul 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	791 SILVER SHOALS RD, LULA, GA 30554-4157

Mortgage

Document Number	0600000697,
Date	May 27, 2026
Book Page	600/697

Lender

Name	MORTGAGE US

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANKS GA
Property Address	791 SILVER SHOALS RD, LULA, GA 30554-4157
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	791 SILVER SHOALS RD, LULA, GA 30554-4157

Mortgage

Document Number	0000000541/0000000094
Date	Feb 16, 2023
Book Page	0000000541/0000000094

Lender

Name	FIGURE LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

July 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BANKS GA
Recording Date	Jul 19, 2021
Property Address	791 SILVER SHOALS RD, LULA, GA 30554-4157
Document Number	508/778
Book / Page	508 / 778
Instrument Date	Jul 19, 2021
Instrument	2021-000728
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
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	791 SILVER SHOALS RD, LULA, GA 30554-4157

Mortgage

Document Number	0000000508/0000000780
Date	Jul 22, 2021
Book Page	0000000508/0000000780

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 791 Silver Shoals Rd was $2,464, up 1.7% from the year before.

Source: Banks County assessment roll, as of November 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,464.00 (+1.65%)	$129,104 (+4.94%) Land $18,536 Building $110,568	$322,760 (+4.94%) Land $46,339 Building $276,421
2024	$2,424.00 (-3.92%)	$123,027 (-0.77%) Land $16,851 Building $106,176	$307,568 (-0.77%) Land $42,127 Building $265,441
2023	$2,523.00 (+19.8%)	$123,985 (+23.65%) Land $30,000 Building $93,985	$309,962 (+23.65%) Land $75,000 Building $234,962
2022	$2,106.00	$100,267 Land $21,692 Building $78,575	$250,667 Land $54,230 Building $196,437

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 791 Silver Shoals Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 17, 2010

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 791 Silver Shoals Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 67% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	10 / 1

Cell Coverage

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

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