117 E Bay St, Savannah, GA 31401 Property Records

Chatham County property record for 117 E Bay St, Savannah, GA 31401

Property Summary

Property Type	Office Building
Details	5,400 sqft · built 1853
Lot Size	0.063 acres (2,727 sqft)
Owner	Company Name on File
Last Sale	$650,000 (Feb 2013)
Tax Bill	$9,043 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-0004-16-009A`

Property Details

APN / Parcel Number

Primary APN	`2-0004-16-009A`
Alternative APN	`O192I407`

Interior

Stories	1 Story
Building Area	5,400 sqft Total Area
1st Floor Area	1,350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1853
Effective Year Built	Effective 1853
Architectural Style	Condo/Apartment
Exterior Material	Brick Veneer
Lot Area	2,727 sqft (0.063 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	117 E BAY ST
City	SAVANNAH
State	GA
Zip	31401-1201
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	BC1
Legal Description	LOT B MINIS SUBDIVISION REYNOLDS WD
Legal Subdivision	MINIS SUB
Legal Lot Number	B
Jurisdiction	CHATHAM GA
Township / Civil Division	SAVANNAH
Census Block Group	1
Census Block	1043
Census Tract	11700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Savannah Historic District listed 1966 · 1,100 contributing resources · National Historic Landmark (designated 1966) · NRIS 66000277

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

117 E Bay St, a commercial property, is owned by a company that acquired it in August 2013.

Source: Chatham County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	4921 PARA DR, CINCINNATI, OH 45237-5011
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage HERITAGE BANK
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2013 · Amount on File
Deed Sale	Feb 25, 2013 · Amount on File
Deed Document Number	20132335
Deed Book / Page	385S / 644
Last Transfer Date	Aug 24, 2013
Transfer Doc	00391X0215
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Recording Date	Jun 29, 2026
Property Address	117 E BAY ST, SAVANNAH, GA 31401-1201
Document Number	4020000381
Book / Page	4020 / 381
Instrument Date	Jun 29, 2026
Transaction Type	Mortgage
Record Updated	Aug 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E BAY ST, SAVANNAH, GA 31401-1201

Mortgage

Document Number	4020000381,
Date	Jun 29, 2026
Book Page	4020/381

Lender

Name	HERITAGE BANK

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2051

Interest

Rate	6.53%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Recording Date	Jun 29, 2026
Property Address	117 E BAY ST, SAVANNAH, GA 31401-1201
Document Number	4020000421
Book / Page	4020 / 421
Instrument Date	Jun 29, 2026
Transaction Type	Mortgage
Record Updated	Aug 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E BAY ST, SAVANNAH, GA 31401-1201

Mortgage

Document Number	4020000421,
Date	Jun 29, 2026
Book Page	4020/421

Lender

Name	HERITAGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2051

Interest

Rate	6.53%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Recording Date	Jun 29, 2026
Property Address	117 E BAY ST, SAVANNAH, GA 31401-1201
Document Number	4020000401
Book / Page	4020 / 401
Instrument Date	Jun 29, 2026
Transaction Type	Mortgage
Record Updated	Aug 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E BAY ST, SAVANNAH, GA 31401-1201

Mortgage

Document Number	4020000401,
Date	Jun 29, 2026
Book Page	4020/401

Lender

Name	HERITAGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 117 E Bay St was $9,043, up 3.2% from the year before.

Source: Chatham County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Chatham County
Municipality	Savannah City
Unified School District	Chatham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$317,720 (-0.35%) Land $130,800 Building $186,920	$794,300 (-0.35%) Land $327,000 Building $467,300
2025	$9,043.00 (+3.17%)	$318,840 Land $130,800 Building $188,040	$797,100 Land $327,000 Building $470,100
2024	$8,765.00
2023		$337,880 (+8.83%) Land $130,800 Building $207,080	$844,700 (+8.83%) Land $327,000 Building $517,700
2022	$12,855.00	$310,480 Land $130,800 Building $179,680	$776,200 Land $327,000 Building $449,200

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

FEMA maps place 117 E Bay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 49 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	90 units insured incl. 41 condo units
Nearby Flood Claims	2 (2016–2019)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2019 · 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

Wildfire risk around 117 E Bay St is low, with less than a 0.01% annual chance of 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	Under 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	SAVANNAH-MAIN serves 168,958 people · EPA ID GA0510003
Water Source	Groundwater
Last State Inspection	May 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Seimitsu, T-Mobile.

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