1460 Sapelo Cir NE, Townsend, GA 31331 Property Records

McIntosh County property record for 1460 Sapelo Cir NE, Townsend, GA 31331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,402 sqft · built 1996
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Last Sale	$278,000 (Oct 2021)
Tax Bill	$200 (2025)
Deeds & Mortgages	Apr 2020 Second Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`0081-B-0049`

Property Details

APN / Parcel Number

Primary APN	`0081-B-0049`
Alternative APN	`8550`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,402 sqft Heated Area
1st Floor Area	1,402 sqft
Flooring	Wood
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.49 acres)
View / Lot	Waterfront
Porch	Patio
Porch Area	444 sqft
Deck Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8550
Street Address	1460 SAPELO CIR NE
City	TOWNSEND
State	GA
Zip	31331-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	001
Legal Description	H/LT 126 PH III BELVEDERE ISLAND PLANTATION
Legal Subdivision	BELVEDERE ISLAND
Legal Phase	3
Legal Lot Number	126
Jurisdiction	MCINTOSH GA
Township / Civil Division	TOWNSEND
Census Block Group	2
Census Block	2005
Census Tract	110103

Owner

1460 Sapelo Cir NE is owned and occupied by an individual who acquired it in December 2021.

Source: McIntosh County records, as of March 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1460 SAPELO CIR NE, TOWNSEND, GA 31331-3322
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
Apr 23, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAPITAL CITY HOME LOANS
Dec 28, 2021	Warranty Deed, Transfer
Oct 20, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2021 · Amount on File
Deed Sale	Oct 20, 2021 · Amount on File
Prior Sale	Jan 9, 2015 · Amount on File
Deed Document Number	20211138
Deed Book / Page	679 / 716
Last Transfer Date	Dec 28, 2021
Transfer Doc	000683/379
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH GA
Property Address	1460 SAPELO CIR NE, TOWNSEND, GA 31331-3322
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1460 SAPELO CIR NE, TOWNSEND, GA 31331-3322

Mortgage

Document Number	0000000656/0000000110
Date	Apr 23, 2020
Book Page	0000000656/0000000110
Instrument	000680

Lender

Name	CAPITAL CITY HOME LOANS

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Dec 28, 2021
Property Address	1460 SAPELO CIR NE, TOWNSEND, GA 31331-3322
Document Number	000683/379
Book / Page	683 / 379
Instrument Date	Dec 28, 2021
Instrument	2022-000033
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1460 SAPELO CIR NE, TOWNSEND, GA 31331-3322

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Oct 20, 2021
Property Address	1460 SAPELO CIR NE, TOWNSEND, GA 31331-3322
Document Number	679/716
Book / Page	679 / 716
Instrument Date	Oct 20, 2021
Instrument	2021-001138
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount 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	1460 SAPELO CIR NE, TOWNSEND, GA 31331-3322

Tax Assessment & Valuation

The 2025 property tax bill for 1460 Sapelo Cir NE was $200 with exemptions applied.

Source: McIntosh County assessment roll, as of March 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$200.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$133,600 Land $26,000 Building $107,600	$334,000 Land $65,000 Building $269,000
2023	$152.00 Homeowner's exemption	$100,120 Land $9,600 Building $90,520	$250,300 Land $24,000 Building $226,300

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 1460 Sapelo Cir NE in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 2, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 106 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	106 in force
Nearby Flood Claims	2 (2016–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 1460 Sapelo Cir NE is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 97.3% of Georgia
Wildfire Likelihood	0.3% 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	BELVEDERE ISLAND private · serves 283 people · EPA ID GA1910072
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Darien Telephone Company Fiber	1,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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