115 Waterfall Rd, Clarkesville, GA 30523 Property Records

Habersham County property record for 115 Waterfall Rd, Clarkesville, GA 30523

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,081 sqft · built 2001
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,900 (Mar 2021)
Tax Bill	$4,859 (2026)
Deeds & Mortgages	Aug 2024 Second Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014 023A`

Property Details

APN / Parcel Number

Primary APN	`014 023A`
Alternative APNs	`680990` `372940`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,081 sqft Heated Area
Gross Area	6,912 sqft
1st Floor Area	1,994 sqft
Upper Floors Area	800 sqft
Attic	Attic
Attic Area	800 sqft
Basement Area	1,792 sqft
Finished Basement	1,792 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Lot Width	200 ft Width
Garage Area	846 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,366 sqft
Deck Area	Deck Area
Patio Area	24 sqft
Utility Building	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	372940
Street Address	115 WATERFALL RD
City	CLARKESVILLE
State	GA
Zip	30523-9900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	10-59 LT 9 PB 11-56 1255-1097
Legal Subdivision	WATERFALLS CHIMNEY MOUNTAIN
Legal Lot Number	9
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	1
Census Block	1000
Census Tract	203

Owner

Source: Habersham County records, as of September 11, 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	115 WATERFALL RD, CLARKESVILLE, GA 30523-9900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Jul 12, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Mar 26, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Deed Document Number	2021720
Deed Book / Page	1255 / 1097
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	115 WATERFALL RD, CLARKESVILLE, GA 30523-9900
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 WATER FALLS WAY

Mortgage

Document Number	0000001374/0000000218
Date	Aug 13, 2024
Book Page	0000001374/0000000218

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2034

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	115 WATERFALL RD, CLARKESVILLE, GA 30523-9900
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 WATERFALL RD, CLARKESVILLE, GA 30523-9900

Mortgage

Document Number	0000001312/0000001073
Date	Jul 12, 2022
Book Page	0000001312/0000001073

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 26, 2021
Property Address	115 WATERFALL RD, CLARKESVILLE, GA 30523-9900
Document Number	01255/1097
Book / Page	1255 / 1097
Instrument Date	Mar 26, 2021
Instrument	2021-000720
Transaction Type	Transfer
Record Updated	Apr 18, 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	115 WATERFALLS WAY, CLARKESVILLE, GA 30523

Mortgage

Document Number	0000001256/0000000001
Date	Mar 30, 2021
Book Page	0000001256/0000000001

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of September 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,859.00 (-7.71%) Homeowner's exemption	$257,799 (-3.29%) Land $14,231 Building $243,568	$644,498 (-3.29%) Land $35,578 Building $608,920
2025	$5,265.00 Homeowner's exemption	$266,581 (+16%) Land $13,300 Building $253,281	$666,452 (+16%) Land $33,250 Building $633,202
2023	Homeowner's exemption	$229,820 (+26.3%) Land $7,884 Building $221,936	$574,550 (+26.3%) Land $19,710 Building $554,840
2022	Homeowner's exemption	$181,960 Land $7,600 Building $174,360	$454,900 Land $19,000 Building $435,900

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 January 5, 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
Nearby Flood Policies	2 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 64% of the US · above 94% of Georgia
Wildfire Likelihood	0.2% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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