1084 Merchant Ln SE, Townsend, GA 31331 Property Records

McIntosh County property record for 1084 Merchant Ln SE, Townsend, GA 31331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,901 sqft · built 2007
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on Record
Tax Bill	$3,351 (2025)
Deeds & Mortgages	Jan 2016 Mortgage Sep 2008 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0050-C-0126`

Property Details

APN / Parcel Number

Primary APN	`0050-C-0126`
Alternative APN	`13222`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,901 sqft Heated Area
1st Floor Area	1,901 sqft
Flooring	Wood
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Fiber Cement Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)

Exterior Amenities

Porch	Patio
Porch Area	184 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	13222
Street Address	1084 MERCHANT LN SE
City	TOWNSEND
State	GA
Zip	31331-4832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	001
Legal Description	H/LT 126 .751 ACRES
Legal Subdivision	COASTAL PINES
Legal Phase	3
Legal Lot Number	126
Jurisdiction	MCINTOSH GA
Township / Civil Division	DARIEN
Census Block Group	1
Census Block	1003
Census Tract	110202

Owner

Source: McIntosh County records, as of March 23, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1084 MERCHANT LN SE, TOWNSEND, GA 31331-4832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2016	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Sep 29, 2008	Deed of Trust, Mortgage · FHA Mortgage AMERIS BANK
Jan 15, 2016	Warranty Deed, Transfer
Jan 28, 2015	Foreclosure
Dec 2, 2014	Warranty Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2015
Deed Sale	Jan 28, 2015
Prior Sale	Jun 29, 2007 · Amount on Record
Deed Document Number	201554
Deed Book / Page	603 / 33
Record Updated	Sep 20, 2026

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH GA
Property Address	1084 MERCHANT LN SE, TOWNSEND, GA 31331-4832
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000612/358
Date	Jan 29, 2016
Book Page	612/358

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2046

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH GA
Property Address	1084 MERCHANT LN SE, TOWNSEND, GA 31331-4832
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000507/14
Date	Sep 29, 2008
Book Page	507/14

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2038

January 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Jan 15, 2016
Property Address	1084 MERCHANT LN SE, TOWNSEND, GA 31331-4832
Document Number	000612/355
Book / Page	612 / 355
Instrument Date	Jan 15, 2016
Instrument	2016-000031
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 MERCHANT LN SE, TOWNSEND, GA 31331

January 2015: Foreclosure

Document Type	Foreclosure
Jurisdiction	MCINTOSH GA
Recording Date	Jan 28, 2015
Property Address	1084 MERCHANT LN SE, TOWNSEND, GA 31331-4832
Document Number	0000603/33
Book / Page	603 / 33
Instrument Date	Dec 2, 2014
Instrument	2015-000054
Transaction Type	Foreclosure
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 E SAINT ANDREW PL # B150, B150, SANTA ANA, CA 92707-2849
Investor	Possibly a Property Investor

December 2014: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Dec 2, 2014
Property Address	1084 MERCHANT LN SE, TOWNSEND, GA 31331-4832
Document Number	000608/715
Book / Page	608 / 715
Instrument Date	Dec 2, 2014
Instrument	2015-000694
Transaction Type	Foreclosure
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 WILL ROGERS PKWY STE 300, 300, OKLAHOMA CITY, OK 73108-1870
Mail Care Of	MICHAELSON CONNER & BOUL
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: McIntosh County assessment roll, as of March 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,351.00 (+9.76%) Homeowner's exemption	$111,800 (+7.29%) Land $8,000 Building $103,800	$279,500 (+7.29%) Land $20,000 Building $259,500
2023	$3,053.00 Homeowner's exemption	$104,200 Land $5,000 Building $99,200	$260,500 Land $12,500 Building $248,000

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 August 2, 2018 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 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 50% of the US · above 63% of Georgia
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Darien Telephone Company Cable · Fiber in parts of the area	1,000 / 250

May also be available: T-Mobile.

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