109 Cole St, Pooler, GA 31322 Property Records

Chatham County property record for 109 Cole St, Pooler, GA 31322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2021
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$255,990 (Aug 2021)
Tax Bill	$3,912 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5-1009Q-04-004`

Property Details

APN / Parcel Number

Primary APN	`5-1009Q-04-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	137 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	109 COLE ST
City	POOLER
State	GA
Zip	31322-9822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 208 ELLIS PARK PHASE 2
Legal Phase	2
Legal Lot Number	208
Jurisdiction	CHATHAM GA
Township / Civil Division	POOLER-BLOOMINGDALE
Census Block Group	2
Census Block	2001
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 COLE ST, POOLER, GA 31322-9822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES
Aug 26, 2021	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BROKER SOLUTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Deed Document Number	202111101
Deed Book / Page	2510 / 253
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	109 COLE ST, POOLER, GA 31322-9822
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 COLE ST, POOLER, GA 31322-9822

Mortgage

Document Number	0038950519
Date	Feb 4, 2026
Book Page	0000003895/0000000519

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

August 2021: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Aug 26, 2021
Property Address	109 COLE ST, POOLER, GA 31322-9822
Document Number	0025100253
Book / Page	2510 / 253
Instrument Date	Aug 26, 2021
Instrument	2021-011101
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 23, 2023

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 COLE ST, POOLER, GA 31322-9822

Mortgage

Document Number	0025100255
Date	Aug 31, 2021
Book Page	0000002510/0000000255

Lender

Name	BROKER SOLUTIONS

Agreement

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

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		$126,760 (+3.83%) Land $30,000 Building $96,760	$316,900 (+3.83%) Land $75,000 Building $241,900
2025	$3,912.00 (+19.52%)	$122,080 (-1.55%) Land $30,000 Building $92,080	$305,200 (-1.55%) Land $75,000 Building $230,200
2023		$124,000 (+22.77%) Land $30,000 Building $94,000	$310,000 (+22.77%) Land $75,000 Building $235,000
2022	$3,273.00	$101,000 Land $23,200 Building $77,800	$252,500 Land $58,000 Building $194,500

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	2 (2016–2025)
Most Recent Claim	Jul 2025 · rainfall accumulation

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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000

May also be available: Verizon.

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