98 Spratlin Point Pl, Hull, GA 30646 Property Records

Madison County property record for 98 Spratlin Point Pl, Hull, GA 30646

Property Summary

Property Type	Rural Home
Details	3 ba · 3,200 sqft · built 2018
Lot Size	11 acres (481,338 sqft)
Owner	Individual Name on File
Last Sale	$685,000 (Dec 2024)
Tax Bill	$5,571 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0045 006`

Property Details

APN / Parcel Number

Primary APN	`0045 006`
Alternative APN	`11319`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,200 sqft Heated Area
1st Floor Area	1,760 sqft
Upper Floors Area	1,440 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	481,338 sqft (11 acres)
Garage Type	Attached
Garage Area	676 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,284 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	11319
Street Address	98 SPRATLIN POINT PL
City	HULL
State	GA
Zip	30646-3872
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AR
Legal Description	HSE/LOT 8A
Legal Subdivision	SPRATLIN POINTE
Legal Block	A
Legal Lot Number	8
Jurisdiction	MADISON GA
Township / Civil Division	COLBERT
Census Block Group	1
Census Block	1000
Census Tract	20502

Owner

Source: Madison County records, as of December 12, 2025

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 File
Mailing Address	98 SPRATLIN POINT PL, HULL, GA 30646-3872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2018	Deed of Trust, Mortgage · Line of Credit FIRST MADISON BANK & TRUST
Jun 5, 2023	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
May 29, 2020	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2024 · Amount on File
Deed Sale	Dec 26, 2024 · Amount on File
Prior Sale	Jun 6, 2023 · Amount on File
Deed Book / Page	2212 / 323
Prior Transfer Date	Feb 19, 1997
Prior Transfer Doc	0054000046
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON GA
Property Address	98 SPRATLIN POINT PL, HULL, GA 30646-3872
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001743/152
Date	Jun 11, 2018
Book Page	1743/152

Lender

Name	FIRST MADISON BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 1, 2019

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON GA
Recording Date	Jun 5, 2023
Property Address	98 SPRATLIN POINT PL, HULL, GA 30646-3872
Document Number	0002112/99
Book / Page	2112 / 99
Instrument Date	Jun 5, 2023
Instrument	2023-000641
Transaction Type	Transfer
Record Updated	Jul 14, 2023

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	98 SPRATLIN POINT PL, HULL, GA 30646-3872

Mortgage

Document Number	0002112101
Date	Jun 5, 2023
Instrument	2112/101

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON GA
Property Address	98 SPRATLIN POINT PL, HULL, GA 30646-3872
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SPRATLIN POINTE PL

Mortgage

Document Number	0000001860/0000000164
Date	May 29, 2020
Book Page	0000001860/0000000164

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2045

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 12, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,571.00 (+22.66%)	$219,262 (+47.36%) Land $26,015 Building $193,247	$548,155 (+47.36%) Land $65,037 Building $483,118
2023	$4,542.00 (+8.74%) Homeowner's exemption	$148,792 (-17.58%) Land $21,440 Building $127,352	$371,980 (-17.58%) Land $53,601 Building $318,379
2022	$4,177.00 Homeowner's exemption	$180,536 Land $26,015 Building $154,521	$451,340 Land $65,037 Building $386,303

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 June 15, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	0.06% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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