184 Silver Cloud Ln, Clayton, GA 30525 Property Records

Rabun County property record for 184 Silver Cloud Ln, Clayton, GA 30525

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,080 sqft · built 1999
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on File
Last Sale	$1,250,000 (Jun 2025)
Tax Bill	$2,963 (2025)
Deeds & Mortgages	Jun 2025 Sale & Second Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`LB01-015B`

Property Details

APN / Parcel Number

Primary APN	`LB01-015B`
Alternative APN	`13874`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,080 sqft Heated Area
1st Floor Area	1,230 sqft
Upper Floors Area	248 sqft
Basement Area	1,230 sqft
Finished Basement	1,230 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	46,609 sqft (1.07 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,188 sqft
Deck Area	80 sqft
Patio Area	932 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	13874
Street Address	184 SILVER CLOUD LN
City	CLAYTON
State	GA
Zip	30525-4667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VC
Legal Description	LOTS 10 & 12A
Legal Lot Number	10,12A
Jurisdiction	RABUN GA
Township / Civil Division	TIGER
Census Block Group	1
Census Block	1025
Census Tract	970304

Owner

184 Silver Cloud Ln is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	6001 HIGHWOOD PARK LN, NAPLES, FL 34110-2380
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
Jun 13, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage HOMEOWNERS FINANCIAL
Sep 5, 2019	Deed of Trust, Mortgage · VA Mortgage RABUN CNTY BK
Mar 15, 2018	Grant Deed, Transfer ATTORNEY ONLY
Mar 15, 2018	Grant Deed, Transfer ATTORNEY ONLY
Mar 15, 2018	Quit Claim Deed, Transfer · VA Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2025 · Amount on File
Deed Sale	Jun 13, 2025 · Amount on File
Prior Sale	Mar 13, 2018 · Amount on File
Deed Book / Page	C52 / 334
Prior Transfer Date	Jul 21, 2014
Prior Transfer Doc	000C410240
Record Updated	Jun 8, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RABUN GA
Recording Date	Jun 13, 2025
Property Address	184 SILVER CLOUD LN, CLAYTON, GA 30525-4667
Document Number	000C520334
Book / Page	C52 / 334
Instrument Date	Jun 13, 2025
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6001 HIGHWOOD PARK LN, NAPLES, FL 34110-2380

Mortgage

Document Number	0000C52336
Date	Jun 13, 2025
Instrument	C52/336

Lender

Name	HOMEOWNERS FINANCIAL

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2055

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	184 SILVER CLOUD LN, CLAYTON, GA 30525-4667
Document Number	000O460494
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 SILVER CLOUD LN CLAYTON GA 305254667, CLAYTON, GA 30525-4667

Mortgage

Document Number	000O460494
Date	Sep 10, 2019
Book Page	000O46/000494

Lender

Name	RABUN CNTY BK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RABUN GA
Recording Date	Mar 15, 2018
Property Address	184 SILVER CLOUD LN, CLAYTON, GA 30525-4667
Document Number	000X440148
Book / Page	000X44 / 000148
Instrument Date	Mar 13, 2018
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 SILVER CLOUD LN GA, GA

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RABUN GA
Recording Date	Mar 15, 2018
Property Address	184 SILVER CLOUD LN, CLAYTON, GA 30525-4667
Document Number	000X440144
Book / Page	000X44 / 000144
Instrument Date	Mar 13, 2018
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	0 SILVER CLOUD GA, GA

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RABUN GA
Recording Date	Mar 15, 2018
Property Address	184 SILVER CLOUD LN, CLAYTON, GA 30525-4667
Document Number	000X440146
Book / Page	000X44 / 000146
Instrument Date	Mar 13, 2018
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 SILVER CLOUD LN CLAYTON GA 305254667, CLAYTON, GA 30525-4667

Mortgage

Document Number	X440150
Date	Mar 15, 2018
Book Page	000X44/000150

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 184 Silver Cloud Ln was $2,963 with a homeowner's exemption.

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	$2,963.00 Homeowner's exemption	$205,173 Land $33,000 Building $172,173	$512,933 Land $82,500 Building $430,433
2023	$2,929.00 (-5.18%) Homeowner's exemption	$162,080 (+2.82%) Land $33,000 Building $129,080	$405,201 (+2.82%) Land $82,500 Building $322,701
2022	$3,089.00 Homeowner's exemption	$157,631 Land $33,000 Building $124,631	$394,078 Land $82,500 Building $311,578

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 184 Silver Cloud Ln in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 184 Silver Cloud Ln is moderate, ranking above 40% of the US, with a 0.08% annual chance of 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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