990 Hemphill Rd, Summerville, GA 30747 Property Records

Chattooga County property record for 990 Hemphill Rd, Summerville, GA 30747

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,584 sqft · built 2020
Lot Size	9.45 acres (411,642 sqft)
Owner	2 Individual Names on Record
Last Sale	$351,000 (Mar 2023)
Tax Bill	$307 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`00024-00000-054-T13`

Property Details

APN / Parcel Number

Primary APN	`00024-00000-054-T13`
Alternative APN	`1382`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Heated Area
1st Floor Area	1,584 sqft
Flooring	Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	411,642 sqft (9.45 acres)
Garage Area	720 sqft
Porch	Slab
Canopy	100 sqft
Lean-To	648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1382
Street Address	990 HEMPHILL RD
City	SUMMERVILLE
State	GA
Zip	30747-6453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACTS 13-15 MCRAE ESTATE
Legal Subdivision	MCRAE ESTATE
Legal Tract	13-15
Legal Lot Number	13-15
Jurisdiction	CHATTOOGA GA
Township / Civil Division	MENLO
Census Block Group	2
Census Block	2029
Census Tract	10300

Owner

Source: Chattooga County records, as of January 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	990 HEMPHILL RD, SUMMERVILLE, GA 30747-6453
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE INVESTORS GROUP
Mar 7, 2023	Warranty Deed, Transfer · VA Mortgage LEADERONE FINANCIAL
Aug 5, 2022	Warranty Deed, Transfer
Jul 21, 2020	Deed of Trust, Construction Loan · Line of Credit BANK OF LAFAYETTE
Oct 29, 2019	Warranty Deed, Transfer · Conventional with PMI FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Oct 29, 2019 · Amount on Record
Deed Document Number	2023189
Deed Book / Page	765 / 729
Prior Transfer Date	Aug 5, 2022
Prior Transfer Doc	0007570664
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATTOOGA GA
Property Address	990 HEMPHILL RD, SUMMERVILLE, GA 30747-6453
Transaction Type	Mortgage
Record Updated	Apr 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007390000000043
Date	Sep 13, 2021
Book Page	0000000739/0000000043

Lender

Name	MORTGAGE INVESTORS GROUP

Agreement

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

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATTOOGA GA
Recording Date	Mar 7, 2023
Property Address	990 HEMPHILL RD, SUMMERVILLE, GA 30747-6453
Document Number	0007650729
Book / Page	765 / 729
Instrument Date	Mar 7, 2023
Instrument	2023-000189
Transaction Type	Transfer
Record Updated	Apr 3, 2023

Transaction

Amount	Amount Recorded
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	990 HEMPHILL RD, SUMMERVILLE, GA 30747-6453

Mortgage

Document Number	0000765731
Date	Mar 7, 2023
Instrument	765/731

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2053

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATTOOGA GA
Recording Date	Aug 5, 2022
Property Address	990 HEMPHILL RD, SUMMERVILLE, GA 30747-6453
Document Number	0007570664
Book / Page	757 / 664
Instrument Date	Aug 5, 2022
Instrument	2022-000910
Transaction Type	Transfer
Record Updated	Apr 3, 2023

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	990 HEMPHILL RD, SUMMERVILLE, GA 30747-6453

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CHATTOOGA GA
Recording Date	Jul 21, 2020
Property Address	990 HEMPHILL RD, SUMMERVILLE, GA 30747-6453
Document Number	0007150003
Book / Page	000715 / 000003
Instrument Date	Jul 7, 2020
Transaction Type	Construction Loan
Record Updated	Aug 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2053 CHAMBERLAIN RD LA FAYETTE GA 307284464, LA FAYETTE, GA 30728-4464

Mortgage

Document Number	7150003
Date	Jul 21, 2020
Book Page	000715/000003

Lender

Name	BANK OF LAFAYETTE
Type	Bank
Address	LA FAYETTE, GA 30728-1149

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 20, 2021

Interest

Rate Type	Adjustable Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATTOOGA GA
Recording Date	Oct 29, 2019
Property Address	990 HEMPHILL RD, SUMMERVILLE, GA 30747-6453
Document Number	0007020669
Book / Page	000702 / 000669
Instrument Date	Oct 29, 2019
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	BATTLEFIELD TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7020672
Date	Oct 29, 2019
Book Page	000702/000672

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	PERRY, GA 31069-1820

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Oct 28, 2029

Tax Assessment & Valuation

Source: Chattooga County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$307.00 (-71.36%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$138,144 (+4.4%) Land $18,520 Building $119,624	$345,360 (+4.4%) Land $46,300 Building $299,060
2023		$132,320 (+228.44%) Land $14,240 Building $118,080	$330,800 (+228.44%) Land $35,600 Building $295,200
2022	$1,072.00 Additional exemption filed	$40,288 Land $11,484 Building $28,804	$100,719 Land $28,709 Building $72,010

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · 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	2 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Dec 2015 · other causes

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 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHATTOOGA COUNTY serves 9,190 people · EPA ID GA0550000
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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