1040 Settlers Pass, Athens, GA 30606 Property Records

Oconee County property record for 1040 Settlers Pass, Athens, GA 30606

Property Summary

Property Type	Single Family Home
Details	2,896 sqft · built 2004
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,900 (Mar 2020)
Tax Bill	$3,698 (2026)
Deeds & Mortgages	Aug 2022 Sale Mar 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B-04H-015-D`

Property Details

APN / Parcel Number

Primary APN	`B-04H-015-D`
Alternative APN	`12867`

Interior

Stories	1 Story
Building Area	2,896 sqft Heated Area
1st Floor Area	2,896 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Exterior Material	Brick/Stone
Construction Type	Concrete
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.77 acres)
Garage Type	Attached
Garage Area	990 sqft
Driveway	Concrete Driveway
Driveway Area	3,700 sqft

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	536 sqft
Patio Area	676 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12867
Street Address	1040 SETTLERS PASS
City	ATHENS
State	GA
Zip	30606-7652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	1711/738 1527/38 1428/641 1262/205 666/618; 3
Legal Subdivision	SETTLER'S RIDGE
Jurisdiction	OCONEE GA
Township / Civil Division	WATKINSVILLE
Census Block Group	2
Census Block	2005
Census Tract	30202

Owner

Source: Oconee County records, as of October 20, 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	1040 SETTLERS PASS, ATHENS, GA 30606-7652
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Warranty Deed, Transfer
Mar 25, 2020	Grant Deed, Transfer ATTORNEY ONLY
May 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BK/KY
Apr 11, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2020 · Amount on Record
Deed Sale	Mar 25, 2020 · Amount on Record
Prior Sale	Nov 10, 2014 · Amount on Record
Deed Document Number	2020339
Deed Book / Page	1527 / 38
Last Transfer Date	Aug 23, 2022
Transfer Doc	0017110738
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCONEE GA
Recording Date	Aug 23, 2022
Property Address	1040 SETTLERS PASS, ATHENS, GA 30606-7652
Document Number	0017110738
Book / Page	1711 / 738
Instrument Date	Aug 23, 2022
Instrument	2022-001364
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	1040 SETTLERS PASS, ATHENS, GA 30606-7652

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OCONEE GA
Recording Date	Mar 25, 2020
Property Address	1040 SETTLERS PASS, ATHENS, GA 30606-7652
Document Number	0015270038
Book / Page	001527 / 000038
Instrument Date	Mar 25, 2020
Instrument	1618
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1040 SETTLERS PASS ATHENS GA 306067652, ATHENS, GA 30606-7652

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCONEE GA
Property Address	1040 SETTLERS PASS, ATHENS, GA 30606-7652
Document Number	0014330194
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SETTLERS PASS ATHENS GA 306067652, ATHENS, GA 30606-7652

Mortgage

Document Number	0014330194
Date	May 11, 2018
Book Page	001433/000194

Lender

Name	CENTURY BK/KY
Type	Bank
Address	MILLEDGEVILLE, GA 31059

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 10, 2043

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OCONEE GA
Recording Date	Apr 11, 2018
Property Address	1040 SETTLERS PASS, ATHENS, GA 30606-7652
Document Number	0014280641
Book / Page	001428 / 000641
Instrument Date	Apr 11, 2018
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	216 N MAIN ST MADISON GA 306501313, MADISON, GA 30650-1313

Tax Assessment & Valuation

Source: Oconee County assessment roll, as of January 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,698.00 (-8.98%) Homeowner's exemption Senior Citizen's exemption
2025	$4,063.00 (-10.96%) Homeowner's exemption Senior Citizen's exemption	$267,339 (+3.75%) Land $40,000 Building $227,339	$668,348 (+3.76%) Land $100,000 Building $568,348
2024	$4,563.00 (+2.59%) Homeowner's exemption	$257,664 (+5.43%) Land $41,400 Building $216,264	$644,159 (+5.43%) Land $103,500 Building $540,659
2023	$4,448.00 (-2.9%) Homeowner's exemption Senior Citizen's exemption	$244,382 (+13.37%) Land $40,000 Building $204,382	$610,954 (+13.37%) Land $100,000 Building $510,954
2022	$4,581.00 Homeowner's exemption Senior Citizen's exemption	$215,567 Land $40,000 Building $175,567	$538,917 Land $100,000 Building $438,917

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 15, 2022 · 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

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	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OCONEE COUNTY serves 30,162 people · EPA ID GA2190000
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2021
Lead	Under 1 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	24 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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