997 Cardinal St, Thomaston, GA 30286 Property Records

Upson County property record for 997 Cardinal St, Thomaston, GA 30286

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,240 sqft · built 1983
Lot Size	0.4 acres (17,611 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Oct 2024)
Tax Bill	$1,411 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`057A-085`

Property Details

APN / Parcel Number

Primary APN	`057A-085`
Alternative APN	`5525`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,240 sqft Heated Area
1st Floor Area	1,240 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1996
Exterior Material	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	17,611 sqft (0.4 acres)
Porch	Slab
Porch Area	168 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	5525
Street Address	997 CARDINAL ST
City	THOMASTON
State	GA
Zip	30286-2509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 12 BLOCK B EASTWOOD EST PB 17/82
Legal Subdivision	BLOCK B EASTWOOD EST
Legal Block	B
Legal Lot Number	12
Jurisdiction	UPSON GA
Township / Civil Division	THOMASTON
Census Block Group	4
Census Block	4013
Census Tract	10500

Owner

997 Cardinal St is owned and occupied by an individual who bought it in October 2024.

Source: Upson County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	997 CARDINAL ST, THOMASTON, GA 30286-2509
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2024	Limited Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE
Apr 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRIFFIN
May 19, 2022	Deed of Trust, Mortgage · Commercial Mortgage UNITED BANK
Apr 29, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2024 · Amount on File
Deed Sale	Oct 2, 2024 · Amount on File
Prior Sale	Apr 23, 2024 · Amount on File
Deed Book / Page	1932 / 74
Prior Transfer Date	Apr 29, 2022
Prior Transfer Doc	0017890300
Record Updated	Oct 29, 2026

October 2024: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	UPSON GA
Recording Date	Oct 2, 2024
Property Address	997 CARDINAL ST, THOMASTON, GA 30286-2509
Document Number	0019320074
Book / Page	1932 / 74
Instrument Date	Sep 30, 2024
Transaction Type	Transfer
Record Updated	Nov 4, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 CARDINAL ST, THOMASTON, GA 30286-2509

Mortgage

Document Number	0000193276
Date	Oct 2, 2024
Instrument	1932/76

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2054

Mortgage

Document Number	0019320000000104
Date	Oct 2, 2024
Book Page	0000001932/0000000104

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSON GA
Property Address	997 CARDINAL ST, THOMASTON, GA 30286-2509
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 CARDINAL ST, THOMASTON, GA 30286-2509

Mortgage

Document Number	0019070000000275
Date	Apr 23, 2024
Book Page	0000001907/0000000275

Lender

Name	FIRST NATIONAL BANK OF GRIFFIN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2025

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSON GA
Property Address	997 CARDINAL ST, THOMASTON, GA 30286-2509
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 CARDINAL ST, THOMASTON, GA 30286-2509

Mortgage

Document Number	0017930000000282
Date	May 19, 2022
Book Page	0000001793/0000000282

Lender

Name	UNITED BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UPSON GA
Recording Date	Apr 29, 2022
Property Address	997 CARDINAL ST, THOMASTON, GA 30286-2509
Document Number	0017890300
Book / Page	1789 / 300
Instrument Date	Apr 29, 2022
Instrument	2022-000585
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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	997 CARDINAL ST, THOMASTON, GA 30286-2509

Tax Assessment & Valuation

The 2025 property tax bill for 997 Cardinal St was $1,411, up 23% from the year before.

Source: Upson County assessment roll, as of April 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,411.00 (+23.02%)	$54,840 (+25.46%) Land $8,800 Building $46,040	$137,101 (+25.46%) Land $22,000 Building $115,101
2024	$1,147.00 (+4.75%)	$43,711 (+3.44%) Land $7,200 Building $36,511	$109,278 (+3.44%) Land $18,000 Building $91,278
2023	$1,095.00 (+92.44%) Homeowner's exemption	$42,259 (+87.5%) Land $7,200 Building $35,059	$105,648 (+87.51%) Land $18,000 Building $87,648
2022	$569.00 Homeowner's exemption	$22,538 Land $2,400 Building $20,138	$56,344 Land $6,000 Building $50,344

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

Flood

FEMA maps place 997 Cardinal St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · 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 Claims	1 (1982)
Most Recent Claim	May 1982 · tidal / storm surge

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

Wildfire risk around 997 Cardinal St is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.1% 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	GRACE NEAL & VESTAVIA SD private · serves 729 people · EPA ID GA2930017
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Highline Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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