15 Whitecliff Dr, Ellijay, GA 30540 Property Records

Gilmer County property record for 15 Whitecliff Dr, Ellijay, GA 30540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,249 sqft · built 1987
Lot Size	3.22 acres (140,263 sqft)
Owner	2 Individual Names on File
Last Sale	$446,900 (Feb 2019)
Tax Bill	$3,493 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`3046B 033`

Property Details

APN / Parcel Number

Primary APN	`3046B 033`
Alternative APN	`13219`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,249 sqft Heated Area
1st Floor Area	1,255 sqft
2nd Floor Area	994 sqft
Flooring	Softwood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	140,263 sqft (3.22 acres)

Exterior Amenities

Porch	Patio
Porch Area	608 sqft
Deck Area	50 sqft
Patio Area	730 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13219
Street Address	15 WHITECLIFF DR
City	ELLIJAY
State	GA
Zip	30540-0342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	S LT 33, N LT 1, S LT 35 LT 34 HPR COV
Legal Subdivision	HARPER COVE
Legal Lot Number	33
Jurisdiction	GILMER GA
Township / Civil Division	NORTH GILMER
Census Block Group	2
Census Block	2022
Census Tract	80200

Owner

15 Whitecliff Dr is owned and occupied by two individuals who bought it in February 2019.

Source: Gilmer County records, as of February 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 WHITECLIFF DR, ELLIJAY, GA 30540-0342
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
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Feb 15, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2019 · Amount on File
Deed Sale	Feb 15, 2019 · Amount on File
Prior Sale	Oct 28, 2015 · Amount on File
Deed Document Number	2019310
Deed Book / Page	2151 / 246
Prior Transfer Date	Jun 24, 2013
Prior Transfer Doc	001812/422
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILMER GA
Property Address	15 WHITECLIFF DR, ELLIJAY, GA 30540-0342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 WHITECLIFF DR, ELLIJAY, GA 30540-0342

Mortgage

Document Number	0000002301/0000000197
Date	Oct 20, 2020
Book Page	0000002301/0000000197

Lender

Name	TRUIST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2035

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILMER GA
Recording Date	Feb 15, 2019
Property Address	15 WHITECLIFF DR, ELLIJAY, GA 30540-0342
Document Number	002151/246
Book / Page	2151 / 246
Instrument Date	Feb 15, 2019
Instrument	2019-000310
Transaction Type	Transfer
Record Updated	Mar 1, 2022

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	15 WHITECLIFF DR, ELLIJAY, GA 30540-0342
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 15 Whitecliff Dr was $3,493.

Source: Gilmer County assessment roll, as of February 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,493.00	$226,104 Land $38,640 Building $187,464	$565,260 Land $96,600 Building $468,660
2023	$3,450.00	$215,720 Land $27,960 Building $187,760	$539,300 Land $69,900 Building $469,400

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

FEMA maps place 15 Whitecliff Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 14, 2016 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (1994–2015)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Dec 2015 · Severe Storms And Flooding

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 15 Whitecliff Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 85% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ETC Fiber	2,500 / 2,500

Cell Coverage

4G LTE (outdoors only), no 5G reported

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