1124 Merchant Ln SE, Townsend, GA 31331 Property Records

McIntosh County property record for 1124 Merchant Ln SE, Townsend, GA 31331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,275 sqft · built 2007
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on Record
Last Sale	$114,500 (Oct 2017)
Tax Bill	$1,637 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0050-C-0128`

Property Details

APN / Parcel Number

Primary APN	`0050-C-0128`
Alternative APN	`13224`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,275 sqft Heated Area
1st Floor Area	1,275 sqft
Flooring	Wood
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,897 sqft (0.87 acres)
Garage Type	Mixed
Garage Area	238 sqft
Porch	Slab
Porch Area	179 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13224
Street Address	1124 MERCHANT LN SE
City	TOWNSEND
State	GA
Zip	31331-4855
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	001
Legal Description	H/LT 128 .871 ACRES
Legal Subdivision	COASTAL PINES
Legal Phase	3
Legal Lot Number	128
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	2 Individual Names on Record
Mailing Address	1124 MERCHANT LN SE, TOWNSEND, GA 31331-4855
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE
Oct 30, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2017 · Amount on Record
Deed Sale	Oct 30, 2017 · Amount on Record
Prior Sale	Sep 29, 2010 · Amount on Record
Deed Document Number	2017932
Deed Book / Page	629 / 809
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH GA
Property Address	1124 MERCHANT LN SE, TOWNSEND, GA 31331-4855
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1124 MERCHANT LN SE, TOWNSEND, GA 31331-4855

Mortgage

Document Number	0000000686/0000000923
Date	Apr 18, 2022
Book Page	0000000686/0000000923
Instrument	000966

Lender

Name	ROCKET MORTGAGE

Agreement

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

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Oct 30, 2017
Property Address	1124 MERCHANT LN SE, TOWNSEND, GA 31331-4855
Document Number	000629/809
Book / Page	629 / 809
Instrument Date	Oct 30, 2017
Instrument	2017-000932
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
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	1124 MERCHANT LN SE, TOWNSEND, GA 31331-4855

Mortgage

Document Number	000629/811
Date	Nov 3, 2017
Book Page	629/811
Instrument	002092

Lender

Name	AMERICAN FINANCE
Type	Mortgage Company

Agreement

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

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	$1,637.00 (+8.05%) Homeowner's exemption	$86,716 (+7.6%) Land $8,000 Building $78,716	$216,790 (+7.6%) Land $20,000 Building $196,790
2023	$1,515.00 Homeowner's exemption	$80,592 Land $5,000 Building $75,592	$201,480 Land $12,500 Building $188,980

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Darien Telephone Company Cable	1,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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