138 E 45th St, Savannah, GA 31405 Property Records

Chatham County property record for 138 E 45th St, Savannah, GA 31405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,167 sqft · built 1916
Lot Size	0.217 acres (9,448 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (Aug 2021)
Tax Bill	$12,382 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2016 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`2-0075-33-009`

Property Details

APN / Parcel Number

Primary APN	`2-0075-33-009`
Alternative APN	`C262S324`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,167 sqft Living Area
1st Floor Area	2,513 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,448 sqft (0.217 acres)
Lot Dimensions	105 ft deep x 90 ft wide
Garage Type	Carport
Garage Area	140 sqft
Carport	Carport
Carport Area	140 sqft

Exterior Amenities

Porch	Slab
Porch Area	222 sqft
Deck Area	280 sqft
Patio Area	280 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	138 E 45TH ST
City	SAVANNAH
State	GA
Zip	31405-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	96 97 WATSON WD
Legal Subdivision	WATSON WARD
Jurisdiction	CHATHAM GA
Township / Civil Division	SAVANNAH
Census Block Group	1
Census Block	1012
Census Tract	2900

Historic Designation

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

Historic District	Within the Ardsley Park-Chatham Crescent Historic District listed 1985 · 998 contributing resources · NRIS 85001787

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

Owner

Source: Chatham County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Commercial Mortgage BANKSOUTH
Nov 16, 2016	Deed of Trust, Mortgage · Commercial Mortgage BRANCH BANKING AND TRUST CO
Jun 7, 2012	Deed of Trust, Mortgage · Commercial Mortgage BRANCH BANKING AND TRUST CO
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Aug 19, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST CITIZENS BANK
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage WYNDHAM VACATION RESORTS
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage WYNDHAM VACATION RESORTS
Oct 1, 2018	Warranty Deed, Transfer · Conventional Mortgage BANKSOUTH MORTGAGE
Jun 1, 2012	Warranty Deed, Transfer · Commercial Mortgage BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Prior Sale	Oct 1, 2018 · Amount on Record
Deed Document Number	202110279
Deed Book / Page	2496 / 701
Last Transfer Date	Apr 27, 2026
Transfer Doc	0039720371
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E 45TH ST, SAVANNAH, GA 31405-2115

Mortgage

Document Number	0019380576
Date	May 27, 2020
Book Page	0000001938/0000000576

Lender

Name	BANKSOUTH

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jan 1, 2023

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009450579
Date	Nov 16, 2016
Book Page	0945/579
Instrument	30072400020

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2046

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E 45TH ST, SAVANNAH, GA 31405-2115

Mortgage

Document Number	00378D0025
Date	Jun 7, 2012
Book Page	378D/25

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2042

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	May 5, 2026
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Document Number	0039720371
Book / Page	3972 / 371
Instrument Date	Apr 27, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Investor	Possibly a Property Investor

Mortgage

Document Number	3972000373,
Date	May 5, 2026
Book Page	3972/373

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E 45TH ST, SAVANNAH, GA 31405-2115

Mortgage

Document Number	0024960721
Date	Aug 19, 2021
Book Page	0000002496/0000000721

Lender

Name	FIRST CITIZENS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2046

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Aug 3, 2021
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Document Number	0024960701
Book / Page	2496 / 701
Instrument Date	Aug 3, 2021
Instrument	2021-010279
Transaction Type	Transfer
Record Updated	Apr 25, 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	138 E 45TH ST, SAVANNAH, GA 31405-2115

Mortgage

Document Number	0024960706
Date	Aug 19, 2021
Book Page	0000002496/0000000706

Lender

Name	WYNDHAM VACATION RESORTS

Agreement

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

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Aug 3, 2021
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Document Number	0024960701
Book / Page	2496 / 701
Instrument Date	Aug 3, 2021
Instrument	2021-010279
Transaction Type	Transfer
Record Updated	Nov 5, 2024

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	138 E 45TH ST, SAVANNAH, GA 31405-2115

Mortgage

Document Number	0002496706
Date	Aug 3, 2021
Instrument	2496/706

Lender

Name	WYNDHAM VACATION RESORTS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2051

Mortgage

Document Number	0024960721
Date	Aug 19, 2021
Book Page	0000002496/0000000721

Lender

Name	FIRST CITIZENS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2046

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Oct 1, 2018
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Document Number	0014590380
Book / Page	1459 / 380
Instrument Date	Oct 1, 2018
Instrument	2018-010023
Transaction Type	Transfer
Record Updated	Apr 25, 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	138 E 48TH ST, SAVANNAH, GA 31405-2123

Mortgage

Document Number	0014590383
Date	Oct 1, 2018
Book Page	0000001459/0000000383

Lender

Name	BANKSOUTH MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

June 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Jun 1, 2012
Property Address	138 E 45TH ST, SAVANNAH, GA 31405-2115
Document Number	00378D0006
Book / Page	378D / 006
Instrument Date	Jun 1, 2012
Instrument	2012-004832
Transaction Type	Transfer
Record Updated	Apr 25, 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	138 E 45TH ST, SAVANNAH, GA 31405-2115

Mortgage

Document Number	00378D0008
Date	Jun 7, 2012
Book Page	378D/8

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2042

Tax Assessment & Valuation

Source: Chatham County assessment roll, as of August 4, 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		$720,800 (+2.07%) Land $64,000 Building $656,800	$1,802,000 (+2.07%) Land $160,000 Building $1,642,000
2025	$12,382.00 (-28.8%) Homeowner's exemption	$706,200 (+38.2%) Land $64,000 Building $642,200	$1,765,500 (+38.2%) Land $160,000 Building $1,605,500
2023		$511,000 (+21.67%) Land $64,800 Building $446,200	$1,277,500 (+21.67%) Land $162,000 Building $1,115,500
2022	$17,390.00	$420,000 Land $17,040 Building $402,960	$1,050,000 Land $42,600 Building $1,007,400

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 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 Record median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	14 (1979–2024)
Claims Outside the SFHA	11 of 14
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims Heavy Rains, Tornados, Flooding, High Winds, Oct 1994 · 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.6% 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 544 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, ClearWave.

Nearby Properties on E 45th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures