109 Belle Gate Dr, Pooler, GA 31322 Property Records

Chatham County property record for 109 Belle Gate Dr, Pooler, GA 31322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,243 sqft · built 2011
Lot Size	0.279 acres (12,153 sqft)
Owner	Individual Name on Record
Last Sale	$272,500 (Jan 2019)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5-1009J-03-058`

Property Details

APN / Parcel Number

Primary APN	`5-1009J-03-058`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,243 sqft Living Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	12,153 sqft (0.279 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	384 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	109 BELLE GATE DR
City	POOLER
State	GA
Zip	31322-9735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 197 THE GATES AT SAVANNAH QUARTERS PHASE 2A SMB 42S
Legal Subdivision	GATES SAVANNAH QUARTERS PH 2A
Legal Phase	2A
Legal Lot Number	197
Jurisdiction	CHATHAM GA
Township / Civil Division	POOLER-BLOOMINGDALE
Census Block Group	1
Census Block	1008
Census Tract	10819

Owner

Source: Chatham County records, as of October 1, 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	109 BELLE GATE DR, POOLER, GA 31322-9735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GEORGIAS OWN CREDIT UNION
Jan 11, 2019	Warranty Deed, Transfer · Conventional Mortgage CREDIT UNION FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2019 · Amount on Record
Deed Sale	Jan 11, 2019 · Amount on Record
Prior Sale	Nov 30, 2011 · Amount on Record
Deed Document Number	2019364
Deed Book / Page	1532 / 502
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	109 BELLE GATE DR, POOLER, GA 31322-9735
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BELLE GATE DR, POOLER, GA 31322-9735

Mortgage

Document Number	0020630062
Date	Sep 15, 2020
Book Page	0000002063/0000000062
Instrument	032569260022

Lender

Name	GEORGIAS OWN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Jan 11, 2019
Property Address	109 BELLE GATE DR, POOLER, GA 31322-9735
Document Number	0015320502
Book / Page	1532 / 502
Instrument Date	Jan 11, 2019
Instrument	2019-000364
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	109 BELLE GATE DR, POOLER, GA 31322-9735

Mortgage

Document Number	0015320508
Date	Jan 15, 2019
Book Page	0000001532/0000000508
Instrument	031465710021

Lender

Name	CREDIT UNION FINANCIAL SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Chatham County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Chatham County
Municipality	Pooler City
Unified School District	Chatham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$165,520 (+2.81%) Land $36,000 Building $129,520	$413,800 (+2.81%) Land $90,000 Building $323,800
2025	$3,281.00 (+9.11%) Homeowner's exemption	$161,000 (+13.32%) Land $36,000 Building $125,000	$402,500 (+13.32%) Land $90,000 Building $312,500
2023		$142,080 (+16%) Land $26,000 Building $116,080	$355,200 (+16%) Land $65,000 Building $290,200
2022	$3,007.00	$122,480 Land $12,720 Building $109,760	$306,200 Land $31,800 Building $274,400

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 October 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 80 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Oct 2024 · Hurricane Helene

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	0.02% 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	POOLER serves 28,423 people · EPA ID GA0510001
Water Source	Purchased surface water from SAVANNAH-I & D
Last State Inspection	Nov 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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