1196 Saddleback Cir, Dillard, GA 30537 Property Records

Rabun County property record for 1196 Saddleback Cir, Dillard, GA 30537

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 3,062 sqft · built 1985
Lot Size	0.433 acres (18,898 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Mar 2020)
Tax Bill	$4,479 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`058A-197`

Property Details

APN / Parcel Number

Primary APN	`058A-197`
Alternative APN	`11001`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	3,062 sqft Heated Area
1st Floor Area	1,531 sqft
Basement Area	1,531 sqft
Finished Basement	1,531 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1998
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,898 sqft
Deck Area	800 sqft
Patio Area	1,600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	11001
Old Parcel Number	058A 197
Street Address	1196 SADDLEBACK CIR
City	DILLARD
State	GA
Zip	30537-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOT 15
Legal Subdivision	SKY VLY SUB
Legal Lot Number	15
Jurisdiction	RABUN GA
Township / Civil Division	MOUNTAIN CITY
Census Block Group	1
Census Block	1012
Census Tract	970102

Owner

1196 Saddleback Cir is owned by an individual who bought it in March 2020.

Source: Rabun County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	1707 RIDGECREST AVE SW, AIKEN, SC 29801-3366
Owner Type	Individual

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 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage SECURITY FEDERAL BANK
Apr 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK OF PICKENS COUNTY
Mar 6, 2020	Warranty Deed, Transfer · Conventional Mortgage SECURITY FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Deed Document Number	0000C47371
Deed Book / Page	C47 / 371
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	1196 SADDLEBACK CIR, DILLARD, GA 30537-2535
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1196 SADDLEBACK CIR, DILLARD, GA 30537-2535

Mortgage

Document Number	000T480000000735
Date	Jun 21, 2021
Book Page	0000000T48/0000000735

Lender

Name	SECURITY FEDERAL BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jan 1, 2024

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	1196 SADDLEBACK CIR, DILLARD, GA 30537-2535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A450376
Date	Apr 20, 2018
Book Page	A45/376

Lender

Name	COMMUNITY BANK OF PICKENS COUNTY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 1, 2019

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RABUN GA
Recording Date	Mar 6, 2020
Property Address	1196 SADDLEBACK CIR, DILLARD, GA 30537-2535
Document Number	000C470371
Book / Page	C47 / 371
Instrument Date	Mar 6, 2020
Instrument	2020-000298
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount on Record
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	1707 RIDGECREST AVE SW, AIKEN, SC 29801-3366

Mortgage

Document Number	000C470000000373
Date	Mar 6, 2020
Book Page	0000000C47/0000000373

Lender

Name	SECURITY FEDERAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1196 Saddleback Cir was $4,479.

Source: Rabun County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Rabun County
Municipality	Sky Valley City
Unified School District	Rabun County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,479.00	$162,144 Land $26,000 Building $136,144	$405,361 Land $65,000 Building $340,361
2023	$3,901.00 (-3.99%)	$124,680 (+9.56%) Land $20,800 Building $103,880	$311,701 (+9.56%) Land $52,000 Building $259,701
2022	$4,063.00	$113,796 Land $18,200 Building $95,596	$284,491 Land $45,500 Building $238,991

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 1196 Saddleback Cir 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 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

Wildfire risk around 1196 Saddleback Cir is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	SKY VALLEY serves 1,820 people · EPA ID GA2410053
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Saddleback Cir

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