1105 Waterfall Dr, Clayton, GA 30525 Property Records

Rabun County property record for 1105 Waterfall Dr, Clayton, GA 30525

Property Summary

Property Type	Single Family Home
Details	8,888 sqft · built 1998
Lot Size	200 acres (8,712,000 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Sep 2014)
Tax Bill	$26,892 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`014C-100`

Property Details

APN / Parcel Number

Primary APN	`014C-100`
Alternative APN	`3840`

Interior

Building Area	8,888 sqft Total Area
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Construction Type	Wood
Roof Material	Slate
Lot Area	8,712,000 sqft (200 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Patio Area	232 sqft
Storage Building	19,320 sqft
Tennis Court	Tennis Court
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	3840
Street Address	1105 WATERFALL DR
City	CLAYTON
State	GA
Zip	30525-3604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VC
Legal Subdivision	VILLAS WATERFALL 201-A
Jurisdiction	RABUN GA
Township / Civil Division	CLAYTON
Census Block Group	1
Census Block	1006
Census Tract	970201

Owner

Source: Rabun County records, as of March 2, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1105 WATERFALL DR, CLAYTON, GA 30525-3604
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jan 17, 2020	Deed of Trust, Mortgage UNITED CMNTY BK
Jan 17, 2020	Deed of Trust, Mortgage UNITED CMNTY BK
Jan 17, 2020	Deed of Trust, Construction Loan · Line of Credit UNITED CMNTY BK
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN VLY CMNTY BK
Jul 13, 2018	Loan Modification, Mortgage · Conventional Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2014 · Amount on Record
Deed Sale	Sep 5, 2014 · Amount on Record
Prior Sale	Dec 5, 2013 · Amount on Record
Deed Document Number	20141163
Deed Book / Page	G41 / 81
Prior Transfer Date	Jan 15, 2013
Prior Transfer Doc	000G390595
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	1105 WATERFALL DR, CLAYTON, GA 30525-3604
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 WATERFALL DR, CLAYTON, GA 30525-3604

Mortgage

Document Number	000N520000000629
Date	Dec 19, 2025
Book Page	0000000N52/0000000629

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2055

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	1105 WATERFALL DR, CLAYTON, GA 30525-3604
Document Number	000Z460565
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1105 WATERFALL DR CLAYTON GA 305253604, CLAYTON, GA 30525-3604

Mortgage

Document Number	000Z460565
Date	Jan 17, 2020
Book Page	000Z46/000565

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 16, 2030

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	1105 WATERFALL DR, CLAYTON, GA 30525-3604
Document Number	000Z460612
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1105 WATERFALL DR CLAYTON GA 305253604, CLAYTON, GA 30525-3604

Mortgage

Document Number	000Z460612
Date	Jan 17, 2020
Book Page	000Z46/000612

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	516 HIGHWAY 441 S, CLAYTON, GA 30525-5970

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 16, 2025

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Recording Date	Jan 17, 2020
Property Address	1105 WATERFALL DR, CLAYTON, GA 30525-3604
Document Number	000Z460518
Book / Page	000Z46 / 000518
Instrument Date	Jan 17, 2020
Transaction Type	Construction Loan
Record Updated	Mar 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1105 WATERFALL DR CLAYTON GA 305253604, CLAYTON, GA 30525-3604

Mortgage

Document Number	Z460518
Date	Jan 17, 2020
Book Page	000Z46/000518

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 16, 2021

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	1105 WATERFALL DR, CLAYTON, GA 30525-3604
Document Number	000L460027
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1105 WATERFALL DR CLAYTON GA 305253604, CLAYTON, GA 30525-3604

Mortgage

Document Number	000L460027
Date	Aug 1, 2019
Book Page	000L46/000027

Lender

Name	MOUNTAIN VLY CMNTY BK
Type	Bank
Address	CLEVELAND, GA 30528

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 31, 2029

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RABUN GA
Property Address	1105 WATERFALL DR, CLAYTON, GA 30525-3604
Document Number	000R450626
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1105 WATERFALL DR CLAYTON GA 305253604, CLAYTON, GA 30525-3604

Mortgage

Document Number	000R450626
Date	Nov 5, 2018
Book Page	000R45/000626

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Nov 4, 2021

Tax Assessment & Valuation

Source: Rabun County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$26,892.00 (-12.31%)	$1,675,564 (-) Land $416,100 Building $1,259,464	$4,188,910 (%) Land $1,040,250 Building $3,148,660
2023	$30,667.00 (-6.62%)	$1,675,564 (-) Land $416,100 Building $1,259,464	$4,188,911 (-) Land $1,040,250 Building $3,148,661
2022	$32,841.00	$1,675,564 Land $416,100 Building $1,259,464	$4,188,911 Land $1,040,250 Building $3,148,661

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 April 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 46% of the US · above 49% of Georgia
Wildfire Likelihood	0.08% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

Cell Coverage

No cell data coverage reported

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