12 Throgs Neck Way, Pooler, GA 31322 Property Records

Chatham County property record for 12 Throgs Neck Way, Pooler, GA 31322

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,336 sqft · built 2004
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$225,831 (May 2005)
Tax Bill	$582 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5-1010E-06-031`

Property Details

APN / Parcel Number

Primary APN	`5-1010E-06-031`
Alternative APN	`C288D244`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,336 sqft Living Area
1st Floor Area	2,022 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Area	478 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	341 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	12 THROGS NECK WAY
City	POOLER
State	GA
Zip	31322-9438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LOT 31 BRIDGEWATER SUB PHASE 5 SMB 29S 65A .404 AC
Legal Subdivision	BRIDGEWATER SUB
Legal Phase	5
Legal Lot Number	31
Jurisdiction	CHATHAM GA
Township / Civil Division	POOLER-BLOOMINGDALE
Census Block Group	3
Census Block	3030
Census Tract	10811

Owner

12 Throgs Neck Way is owned and occupied by an individual who bought it in May 2005.

Source: Chatham County records, as of October 1, 2026

Owner of Record	Individual Name on File
Mailing Address	12 THROGS NECK WAY, POOLER, GA 31322-9438
Occupancy	Owner Occupied
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
Jul 24, 2026	Deed of Trust, Mortgage · VA Mortgage INDEPENDENT HOME LOANS
Oct 15, 2025	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Aug 30, 2022	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Sep 3, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2005 · Amount on File
Deed Sale	May 16, 2005 · Amount on File
Deed Book / Page	288D / 244
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Recording Date	Jul 24, 2026
Property Address	12 THROGS NECK WAY, POOLER, GA 31322-9438
Document Number	4041000046
Book / Page	4041 / 46
Instrument Date	Jul 8, 2026
Transaction Type	Mortgage
Record Updated	Aug 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4041000046,
Date	Jul 24, 2026
Book Page	4041/46

Lender

Name	INDEPENDENT HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	12 THROGS NECK WAY, POOLER, GA 31322-9438
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 THROGS NECK WAY, POOLER, GA 31322-9438

Mortgage

Document Number	0038050351
Date	Oct 15, 2025
Book Page	0000003805/0000000351

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	12 THROGS NECK WAY, POOLER, GA 31322-9438
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 THROGS NECK WAY, POOLER, GA 31322-9438

Mortgage

Document Number	0029010675
Date	Aug 30, 2022
Book Page	0000002901/0000000675

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	12 THROGS NECK WAY, POOLER, GA 31322-9438
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 THROGS NECK WAY, POOLER, GA 31322-9438

Mortgage

Document Number	0000002515/0000000656
Date	Sep 3, 2021
Book Page	0000002515/0000000656

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 12 Throgs Neck Way was $582.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$162,680 (+4.02%) Land $20,000 Building $142,680	$406,700 (+4.02%) Land $50,000 Building $356,700
2025	$582.00 Disabled Person's exemption Veteran's exemption	$156,400 Land $20,000 Building $136,400	$391,000 Land $50,000 Building $341,000
2023		$150,040 (+9.87%) Land $10,000 Building $140,040	$375,100 (+9.87%) Land $25,000 Building $350,100
2022	$613.00	$136,560 Land $10,000 Building $126,560	$341,400 Land $25,000 Building $316,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Throgs Neck Way in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 51 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims

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 12 Throgs Neck Way is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% 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	POOLER serves 28,423 people · EPA ID GA0510001
Water Source	Purchased surface water from SAVANNAH-I & D
Last State Inspection	Nov 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: ClearWave, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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