974 Old Dial Rd, Morganton, GA 30560 Property Records

Fannin County property record for 974 Old Dial Rd, Morganton, GA 30560

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,405 sqft · built 1994
Lot Size	2.72 acres (118,483 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (May 2016)
Tax Bill	$611 (2025)
Deeds & Mortgages	Jul 2026 Second Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0022 00507`

Property Details

APN / Parcel Number

Primary APN	`0022 00507`
Alternative APN	`27739`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,405 sqft Heated Area
1st Floor Area	1,881 sqft
Attic Area	64 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Other
Exterior Material	Fiber Cement Siding
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	118,483 sqft (2.72 acres)
Garage Area	552 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	366 sqft
Deck Area	512 sqft
Storage Building	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	27739
Street Address	974 OLD DIAL RD
City	MORGANTON
State	GA
Zip	30560-4300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	7-1 LL34 DB1167-705 2.72 ACS
Jurisdiction	FANNIN GA
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3029
Census Tract	50500

Owner

Source: Fannin County records, as of January 19, 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
Co-owner	Co-owner on Record
Mailing Address	974 OLD DIAL RD, MORGANTON, GA 30560-4300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CORNERSTONE MORTGAGE
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT COM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2016 · Amount on Record
Deed Sale	May 20, 2016 · Amount on Record
Deed Document Number	0001167705
Deed Book / Page	1167 / 705
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Recording Date	Jul 27, 2026
Property Address	974 OLD DIAL RD, MORGANTON, GA 30560-4300
Document Number	1713000738
Book / Page	1713 / 738
Instrument Date	Jul 17, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 OLD DIAL RD, MORGANTON, GA 30560-4300

Mortgage

Document Number	1713000738,
Date	Jul 27, 2026
Book Page	1713/738

Lender

Name	CORNERSTONE MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN GA
Property Address	974 OLD DIAL RD, MORGANTON, GA 30560-4300
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 OLD DIAL RD, MORGANTON, GA 30560-4300

Mortgage

Document Number	0000001414/0000000508
Date	Mar 24, 2021
Book Page	0000001414/0000000508

Lender

Name	LOAN DEPOT COM

Agreement

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

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$611.00 (-69.74%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$170,883 (+20.06%) Land $19,538 Building $151,345	$427,209 (+20.06%) Land $48,846 Building $378,363
2023		$142,334 (-1.17%) Land $19,538 Building $122,795	$355,834 (-1.17%) Land $48,846 Building $306,988
2022	$2,019.00 Homeowner's exemption	$144,023 Land $19,538 Building $124,485	$360,059 Land $48,846 Building $311,213

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 September 2, 2026 · 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
Flood Insurance Cost	Premium on Record median of 43 policies
Nearby Flood Policies	43 in force
Nearby Flood Claims	23 (2004–2021)
Claims Outside the SFHA	8 of 23
Most Recent Claim	Aug 2021 · river or lake flooding
Claims by Event	Tropical Storm Zeta, Oct 2020 · 2 claims Severe Storms And Flooding, Dec 2015 · 12 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

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

Wildfire Risk	Moderate above 67% of the US · above 95% of Georgia
Wildfire Likelihood	0.3% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: TDS Telecom.

Cell Coverage

5G (outdoors only) and 4G LTE

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