16 Silver Cloud Ln, Clayton, GA 30525 Property Records

Rabun County property record for 16 Silver Cloud Ln, Clayton, GA 30525

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,066 sqft · built 1985
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$248,000 (Nov 2018)
Tax Bill	$1,537 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LB01-025`

Property Details

APN / Parcel Number

Primary APN	`LB01-025`
Alternative APN	`3887`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,066 sqft Heated Area
1st Floor Area	578 sqft
Upper Floors Area	390 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)

Exterior Amenities

Porch	Patio
Porch Area	208 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	3887
Street Address	16 SILVER CLOUD LN
City	CLAYTON
State	GA
Zip	30525-4657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VC
Legal Description	LOT 1
Legal Subdivision	BURGESS ACRE
Legal Lot Number	1
Jurisdiction	RABUN GA
Township / Civil Division	TIGER
Census Block Group	1
Census Block	1025
Census Tract	970304

Owner

Source: Rabun County records, as of December 9, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	5333 DAVENPORT MNR, CUMMING, GA 30041-7042
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO
Jan 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS MTG
Nov 6, 2018	Grant Deed, Transfer · Conventional with PMI REGIONS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Dec 1, 1998 · Amount on Record
Deed Document Number	20181859
Deed Book / Page	S45 / 1
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	16 SILVER CLOUD LN, CLAYTON, GA 30525-4657
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SILVER CLOUD LN, CLAYTON, GA 30525-4657

Mortgage

Document Number	000D490000000703
Date	Oct 14, 2021
Book Page	0000000D49/0000000703

Lender

Name	WELLS FARGO

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	16 SILVER CLOUD LN, CLAYTON, GA 30525-4657
Document Number	000A470779
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 SILVER CLOUD LN CLAYTON GA 305254657, CLAYTON, GA 30525-4657

Mortgage

Document Number	000A470779
Date	Feb 6, 2020
Book Page	000A47/000779

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RABUN GA
Recording Date	Nov 6, 2018
Property Address	16 SILVER CLOUD LN, CLAYTON, GA 30525-4657
Document Number	000S450001
Book / Page	000S45 / 000001
Instrument Date	Nov 5, 2018
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16 SILVER CLOUD LN CLAYTON GA 305254657, CLAYTON, GA 30525-4657

Mortgage

Document Number	S450003
Date	Nov 6, 2018
Book Page	000S45/000003

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2048

Tax Assessment & Valuation

Source: Rabun County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,537.00 (-2.84%)	$95,781 (+10.75%) Land $33,000 Building $62,781	$239,453 (+10.75%) Land $82,500 Building $156,953
2023	$1,582.00 (-4.58%)	$86,487 (+2.2%) Land $33,000 Building $53,487	$216,217 (+2.2%) Land $82,500 Building $133,717
2022	$1,658.00	$84,627 Land $33,000 Building $51,627	$211,567 Land $82,500 Building $129,067

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 April 23, 2026 · 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 26 policies
Nearby Flood Policies	26 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

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	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: TrailWave, Xfinity.

Cell Coverage

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

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