95 Joy Dr SW, Cave Spring, GA 30124 Property Records

Floyd County property record for 95 Joy Dr SW, Cave Spring, GA 30124

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,980 sqft · built 1981
Lot Size	3.28 acres (142,877 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Oct 2021)
Tax Bill	$3,716 (2026)
Deeds & Mortgages	Oct 2021 Sale Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`C17--009`

Property Details

APN / Parcel Number

Primary APN	`C17--009`
Alternative APN	`42944`

Interior

Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	2,980 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	142,877 sqft (3.28 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	176 sqft
Patio Area	176 sqft
Shed	1 Shed
Shed Area	1,058 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	42944
Street Address	95 JOY DR SW
City	CAVE SPRING
State	GA
Zip	30124-2130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	LL137 16/4
Jurisdiction	FLOYD GA
Township / Civil Division	CAVE SPRING
Census Block Group	1
Census Block	1027
Census Tract	2000

Owner

95 Joy Dr SW is owned and occupied by two individuals who bought it in October 2021.

Source: Floyd County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	95 JOY DR SW, CAVE SPRING, GA 30124-2130
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
Oct 13, 2021	Warranty Deed, Transfer
Oct 13, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Jun 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 18, 2020	Deed of Trust, Mortgage · Conventional with PMI FAIRWAY INDEPENDENT MTG
Oct 22, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on File
Deed Sale	Oct 13, 2021 · Amount on File
Prior Sale	May 18, 2020 · Amount on File
Deed Document Number	20214169
Deed Book / Page	2712 / 392
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLOYD GA
Recording Date	Oct 13, 2021
Property Address	95 JOY DR SW, CAVE SPRING, GA 30124-2130
Document Number	0027260334
Book / Page	2726 / 334
Instrument Date	Oct 13, 2021
Instrument	2021-004167
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 JOY DR SW, CAVE SPRING, GA 30124-2130

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLOYD GA
Recording Date	Oct 13, 2021
Property Address	95 JOY DR SW, CAVE SPRING, GA 30124-2130
Document Number	0027120392
Book / Page	2712 / 392
Instrument Date	Oct 13, 2021
Instrument	2021-004169
Transaction Type	Transfer
Record Updated	Nov 1, 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	95 JOY DR SW, CAVE SPRING, GA 30124-2130

Mortgage

Document Number	0027120000000394
Date	Oct 15, 2021
Book Page	0000002712/0000000394
Instrument	008529540015

Lender

Name	FIRSTBANK

Agreement

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

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLOYD GA
Recording Date	Jun 9, 2020
Property Address	95 JOY DR SW, CAVE SPRING, GA 30124-2130
Document Number	0026290996
Book / Page	002629 / 000996
Instrument Date	May 18, 2020
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	95 JOY DR SW CAVE SPRING GA 301242130, CAVE SPRING, GA 30124-2130

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD GA
Property Address	95 JOY DR SW, CAVE SPRING, GA 30124-2130
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 JOY DR SW CAVE SPRING GA 301242130, CAVE SPRING, GA 30124-2130

Mortgage

Document Number	26270033
Date	May 19, 2020
Book Page	002627/000033

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLOYD GA
Recording Date	Oct 22, 2019
Property Address	95 JOY DR SW, CAVE SPRING, GA 30124-2130
Document Number	0026010935
Book / Page	002601 / 000935
Instrument Date	Oct 21, 2019
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$192.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 JOY DR SW CAVE SPRING GA 301242130, CAVE SPRING, GA 30124-2130

Tax Assessment & Valuation

The 2026 property tax bill for 95 Joy Dr SW was $3,716 with a homeowner's exemption, down 10.7% from the year before.

Source: Floyd County assessment roll, as of January 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,716.00 (-10.65%) Homeowner's exemption
2025	$4,159.00 (+0.36%) Homeowner's exemption	$179,488 (+17.56%) Land $15,100 Building $164,388	$448,721 (+17.56%) Land $37,750 Building $410,971
2024	$4,144.00 (+20.85%) Homeowner's exemption	$152,682 (+8.46%) Land $13,422 Building $139,260	$381,704 (+8.46%) Land $33,554 Building $348,150
2023	$3,429.00 (+12.61%)	$140,769 (+37.14%) Land $12,202 Building $128,567	$351,922 (+37.14%) Land $30,504 Building $321,418
2022	$3,045.00	$102,643 Land $10,155 Building $92,488	$256,607 Land $25,387 Building $231,220

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 95 Joy Dr SW in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 7, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	4 in force
Nearby Flood Claims	12 (1979–2022)
Claims Outside the SFHA	6 of 12
Most Recent Claim	Mar 2022 · river or lake flooding
Claims by Event	Hurricane Opal, Oct 1995 · 2 claims

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

Wildfire risk around 95 Joy Dr SW is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 92% of Georgia
Wildfire Likelihood	0.2% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: Spectrum.

Cell Coverage

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

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