173 Circle Dr, Clarkesville, GA 30523 Property Records

Habersham County property record for 173 Circle Dr, Clarkesville, GA 30523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1994
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,203 (2026)
Deeds & Mortgages	Apr 2016 Line of Credit Oct 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`102 158`

Property Details

APN / Parcel Number

Primary APN	`102 158`
Alternative APNs	`676419` `685004` `402738`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Heated Area
Gross Area	3,650 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2005
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	135 ft deep x 230 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	306 sqft
Patio Area	306 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	402738
Street Address	173 CIRCLE DR
City	CLARKESVILLE
State	GA
Zip	30523-5509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	12-3 CIRCLE DB 1379-983
Legal Subdivision	RITA WENDLAND
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	2
Census Block	2017
Census Tract	300

Owner

Source: Habersham County records, as of September 11, 2026

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	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2016	Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL
Aug 2, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED COMMUNITY BANK
Jul 12, 2022	Warranty Deed, Transfer
Jul 12, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK
Jan 11, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK
Jun 10, 2010	Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2024
Deed Sale	Oct 18, 2024
Prior Sale	Aug 2, 2022 · Amount on Record
Deed Book / Page	1379 / 983
Prior Transfer Date	Feb 14, 2014
Prior Transfer Doc	0001050/26
Record Updated	Oct 29, 2026

April 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001109/357
Date	Apr 19, 2016
Book Page	1109/357

Lender

Name	SOUTHERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509

Mortgage

Document Number	0000001237/0000000415
Date	Oct 28, 2020
Book Page	0000001237/0000000415

Lender

Name	HOMESTAR FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509

Mortgage

Document Number	0000001314/0000000794
Date	Aug 2, 2022
Book Page	0000001314/0000000794
Instrument	2022005869

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 12, 2022
Property Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509
Document Number	001314/793
Book / Page	1314 / 793
Instrument Date	Jul 12, 2022
Instrument	2022-001999
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
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	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 12, 2022
Property Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509
Document Number	001314/793
Book / Page	1314 / 793
Instrument Date	Jul 12, 2022
Instrument	2022-001999
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509

Mortgage

Document Number	2022005869
Date	Jul 12, 2022
Instrument	2022005869

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2052

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jan 11, 2019
Property Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509
Document Number	001183/372
Book / Page	1183 / 372
Instrument Date	Jan 11, 2019
Instrument	2019-000059
Transaction Type	Transfer
Record Updated	Nov 30, 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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509

Mortgage

Document Number	0000001183/0000000373
Date	Jan 11, 2019
Book Page	0000001183/0000000373

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

June 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jun 10, 2010
Property Address	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509
Document Number	00923/1075
Book / Page	923 / 1075
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
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	173 CIRCLE DR, CLARKESVILLE, GA 30523-5509

Mortgage

Document Number	00923/1077
Date	Jun 16, 2010
Book Page	923/1077

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Habersham County
Municipality	Clarkesville City
Unified School District	Habersham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,203.00 (-0.64%) Homeowner's exemption	$137,330 (+4%) Land $35,328 Building $102,002	$343,325 (+4%) Land $88,320 Building $255,005
2025	$4,230.00 Homeowner's exemption	$132,050 (+20.05%) Land $35,328 Building $96,722	$330,125 (+20.05%) Land $88,320 Building $241,805
2023	Homeowner's exemption	$110,000 (+33.91%) Land $30,800 Building $79,200	$275,000 (+33.91%) Land $77,000 Building $198,000
2022	$2,132.00	$82,144 Land $23,736 Building $58,408	$205,360 Land $59,340 Building $146,020

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 January 5, 2018 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (2004–2020)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2020 · rainfall accumulation

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 45% of the US · above 47% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLARKESVILLE serves 5,785 people · EPA ID GA1370002
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 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	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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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