109 Royal Ln, Pooler, GA 31322 Property Records

Chatham County property record for 109 Royal Ln, Pooler, GA 31322

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,718 sqft · built 2006
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$356,000 (Oct 2022)
Tax Bill	$3,607 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Sep 2015 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`5-1014D-04-007`

Property Details

APN / Parcel Number

Primary APN	`5-1014D-04-007`
Alternative APN	`P285E306`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,718 sqft Living Area
1st Floor Area	1,550 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	212 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	109 ROYAL LN
City	POOLER
State	GA
Zip	31322-3959
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	LOT 4474 THE RETREAT AT FOREST LAKES PHASE 3 SMB 35S 51A
Legal Subdivision	RETREAT @FRT LK
Legal Phase	3
Legal Lot Number	4474
Jurisdiction	CHATHAM GA
Township / Civil Division	PORT WENTWORTH
Census Block Group	2
Census Block	2004
Census Tract	10705

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 ROYAL LN, POOLER, GA 31322-3959
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 10, 2015	Deed of Trust, Mortgage · Conventional Mortgage CARTUS HOME LOANS LLC
Oct 11, 2022	Warranty Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE
Oct 11, 2022	Warranty Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE
Nov 10, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2022 · Amount on Record
Deed Sale	Oct 14, 2022 · Amount on Record
Prior Sale	Nov 10, 2017 · Amount on Record
Deed Document Number	202212075
Deed Book / Page	2938 / 84
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	109 ROYAL LN, POOLER, GA 31322-3959
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012340131
Date	Dec 5, 2017
Book Page	1234/131
Instrument	30733400019

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	109 ROYAL LN, POOLER, GA 31322-3959
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 ROYAL LN, POOLER, GA 31322-3959

Mortgage

Document Number	0006250396
Date	Sep 10, 2015
Book Page	625/396
Instrument	029058400020

Lender

Name	CARTUS HOME LOANS LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2045

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Oct 11, 2022
Property Address	109 ROYAL LN, POOLER, GA 31322-3959
Document Number	0029380084
Book / Page	2938 / 84
Instrument Date	Oct 11, 2022
Instrument	2022-012075
Transaction Type	Transfer
Record Updated	Sep 5, 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 ROYAL LN, POOLER, GA 31322-3959

Mortgage

Document Number	0029380086
Date	Oct 14, 2022
Book Page	0000002938/0000000086

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Oct 11, 2022
Property Address	109 ROYAL LN, POOLER, GA 31322-3959
Document Number	0029380084
Book / Page	2938 / 84
Instrument Date	Oct 11, 2022
Instrument	2022-012075
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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 ROYAL LN, POOLER, GA 31322-3959

Mortgage

Document Number	0000293886
Date	Oct 11, 2022
Instrument	2938/86

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2052

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Nov 10, 2017
Property Address	109 ROYAL LN, POOLER, GA 31322-3959
Document Number	0012340129
Book / Page	1234 / 129
Instrument Date	Nov 10, 2017
Instrument	2017-011588
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Amount	Amount Recorded
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 ROYAL LN, POOLER, GA 31322-3959

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		$144,560 (+14.22%) Land $24,000 Building $120,560	$361,400 (+14.22%) Land $60,000 Building $301,400
2025	$3,607.00 (+31.59%)	$126,560 (-) Land $10,000 Building $116,560	$316,400 (-) Land $25,000 Building $291,400
2023		$126,560 (+13.98%) Land $10,000 Building $116,560	$316,400 (+13.98%) Land $25,000 Building $291,400
2022	$2,741.00	$111,040 Land $10,000 Building $101,040	$277,600 Land $25,000 Building $252,600

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 58 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	105 units insured incl. 47 condo units

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 94% of the US · lower than 97.8% of Georgia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: ClearWave.

Cell Coverage

5G (outdoors only) and 4G LTE

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