97 Dukes Rd, Franklin, GA 30217 Property Records

Heard County property record for 97 Dukes Rd, Franklin, GA 30217

Property Summary

Property Type	Rural Home
Details	3 ba · 1,968 sqft · built 2018
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$2,956 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0027-0047-03`

Property Details

APN / Parcel Number

Primary APN	`0027-0047-03`
Alternative APN	`7595`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,968 sqft Heated Area
1st Floor Area	1,968 sqft
Attic	Attic
Attic Area	324 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Area	576 sqft
Porch	Slab
Porch Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	7595
Street Address	97 DUKES RD
City	FRANKLIN
State	GA
Zip	30217-3773
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RURAL
Legal Description	5.00ACS/TR 1/LL 80/11 LD/
Legal Subdivision	JAMES R REBECCA R GARDNEY
Legal Tract	1
Jurisdiction	HEARD GA
Township / Civil Division	CENTRALHATCHEE
Census Block Group	2
Census Block	2028
Census Tract	970200

Owner

Source: Heard County records, as of March 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	97 DUKES RD, FRANKLIN, GA 30217-3773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Feb 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Oct 10, 2018	Loan Modification, Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HEARD GA
Property Address	97 DUKES RD, FRANKLIN, GA 30217-3773
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 DUKES RD, FRANKLIN, GA 30217-3773

Mortgage

Document Number	0004970000000286
Date	Dec 1, 2021
Book Page	0000000497/0000000286

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HEARD GA
Property Address	97 DUKES RD, FRANKLIN, GA 30217-3773
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004530141
Date	Feb 13, 2018
Book Page	453/141

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2026

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HEARD GA
Property Address	97 DUKES RD, FRANKLIN, GA 30217-3773
Document Number	0004610012
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	97 DUKES RD FRANKLIN GA 302173773, FRANKLIN, GA 30217-3773

Mortgage

Document Number	0004610012
Date	Dec 13, 2018
Book Page	000461/000012

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2048

Tax Assessment & Valuation

Source: Heard County assessment roll, as of March 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,956.00 (+7.33%)	$157,467 (+17.56%) Land $21,800 Building $135,667	$393,668 (+17.56%) Land $54,500 Building $339,168
2023	$2,754.00 Homeowner's exemption	$133,946 Land $11,680 Building $122,266	$334,864 Land $29,200 Building $305,664

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2017

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 58% of the US · above 87% of Georgia
Wildfire Likelihood	0.2% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Crossbeam Fiber	1,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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