99 Mill St SW, Cave Spring, GA 30124 Property Records

Floyd County property record for 99 Mill St SW, Cave Spring, GA 30124

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,685 sqft · built 1992
Lot Size	11.4 acres (497,891 sqft)
Owner	Individual Name on Record
Last Sale	$206,100 (Feb 2008)
Tax Bill	$2,665 (2026)
Deeds & Mortgages	Mar 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E18--161`

Property Details

APN / Parcel Number

Primary APN	`E18--161`
Alternative APN	`54643`

Interior

Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,685 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	497,891 sqft (11.4 acres)
Garage Area	600 sqft

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	400 sqft
Utility Building	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	54643
Street Address	99 MILL ST SW
City	CAVE SPRING
State	GA
Zip	30124-2644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NONE
Legal Description	LT5&6&OTHER FINCHER PROP PB16-239
Legal Subdivision	CLARK L FINCHER PROP
Legal Lot Number	5-6
Jurisdiction	FLOYD GA
Township / Civil Division	CAVE SPRING
Census Block Group	1
Census Block	1062
Census Tract	2000

Owner

Source: Floyd County records, as of October 13, 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	99 MILL ST SW, CAVE SPRING, GA 30124-2644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 29, 2008 · Amount on Record
Deed Sale	Feb 29, 2008 · Amount on Record
Prior Sale	Jan 18, 2008 · Amount on Record
Deed Book / Page	2131 / 333
Prior Transfer Date	May 19, 2005
Prior Transfer Doc	0019420608
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD GA
Property Address	99 MILL ST SW, CAVE SPRING, GA 30124-2644
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 MILL ST SW, CAVE SPRING, GA 30124-2644

Mortgage

Document Number	0028820000000925
Date	Mar 14, 2025
Book Page	0000002882/0000000925

Lender

Name	SYNOVUS BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Georgia
County	Floyd County
Municipality	Cave Spring City
Unified School District	Floyd County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,665.00 (-14.75%) Homeowner's exemption
2025	$3,126.00 (-1.04%) Homeowner's exemption	$183,369 (+8.29%) Land $40,174 Building $143,195	$458,422 (+8.29%) Land $100,435 Building $357,987
2024	$3,159.00 (+26.21%) Homeowner's exemption	$169,332 (+10.03%) Land $35,707 Building $133,625	$423,330 (+10.03%) Land $89,268 Building $334,062
2023	$2,503.00 (-7.98%) Homeowner's exemption	$153,898 (+19.97%) Land $32,461 Building $121,437	$384,746 (+19.97%) Land $81,153 Building $303,593
2022	$2,720.00 Homeowner's exemption	$128,281 Land $26,883 Building $101,398	$320,703 Land $67,208 Building $253,495

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 June 7, 2019 · 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
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

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

Wildfire Risk	Moderate above 64% of the US · above 94% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20