Habersham County property record for 189 Refuge Ter, Mount Airy, GA 30563
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,421 sqft · built 1997 |
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,376 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage Sep 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 134 019B |
| Primary APN | 134 019B |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,421 sqft Heated Area |
| Gross Area | 2,288 sqft |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 483 sqft |
| Unfinished Basement | 483 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 66,211 sqft (1.52 acres) |
| Garage Area | 483 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 192 sqft |
| Patio Area | 204 sqft |
| Canopy | 72 sqft |
| Storage Building | 96 sqft |
| Utility Building | 77 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 415271 |
|---|---|
| Street Address | 189 REFUGE TER |
| City | MOUNT AIRY |
| State | GA |
| Zip | 30563-3705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LI |
| Legal Description | 10-176 L-7 PB 39-146 DB 1320-349 |
| Legal Subdivision | REFUGE TERRACE |
| Jurisdiction | HABERSHAM GA |
| Township / Civil Division | CORNELIA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 400 |
189 Refuge Ter is owned and occupied by two individuals who acquired it in October 2022.
Source: Habersham County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 189 REFUGE TER, MOUNT AIRY, GA 30563-3705 |
| 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.
| Date | Document |
|---|---|
| Oct 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES |
| Sep 8, 2022 | Warranty Deed, Transfer |
| Sep 17, 2018 | Warranty Deed, Transfer |
| Sep 17, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2022 |
| Deed Sale | Oct 4, 2022 |
| Prior Sale | Sep 17, 2018 · Amount on File |
| Deed Document Number | 20222526 |
| Deed Book / Page | 1320 / 349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Property Address | 189 REFUGE TER, MOUNT AIRY, GA 30563-3705 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 189 REFUGE TE |
| Document Number | 0000001320/0000000352 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 0000001320/0000000352 |
| Name | PENNYMAC LOAN SERVICES |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Sep 8, 2022 |
| Property Address | 189 REFUGE TER, MOUNT AIRY, GA 30563-3705 |
| Document Number | 001320/349 |
| Book / Page | 1320 / 349 |
| Instrument Date | Sep 8, 2022 |
| Instrument | 2022-002526 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 189 REFUGE TER, MOUNT AIRY, GA 30563-3705 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Sep 17, 2018 |
| Property Address | 189 REFUGE TER, MOUNT AIRY, GA 30563-3705 |
| Document Number | 1175/1021 |
| Book / Page | 1175 / 1021 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 2018-001729 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 189 REFUGE TER, MOUNT AIRY, GA 30563-3705 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HABERSHAM GA |
| Recording Date | Sep 17, 2018 |
| Property Address | 189 REFUGE TER, MOUNT AIRY, GA 30563-3705 |
| Document Number | 01175/1021 |
| Book / Page | 1175 / 1021 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 2018-001729 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 189 REFUGE TER, MOUNT AIRY, GA 30563-3705 |
The 2026 property tax bill for 189 Refuge Ter was $2,376, down 1.1% from the year before.
Source: Habersham County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Habersham County |
| Unified School District | Habersham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,376.00 (-1.12%) | $104,236 (+4.78%) Land $6,000 Building $98,236 | $260,589 (+4.78%) Land $15,000 Building $245,589 |
| 2025 | $2,403.00 | $99,484 Land $6,000 Building $93,484 | $248,709 Land $15,000 Building $233,709 |
| 2023 | $2,151.00 (+15.4%) | $82,912 (+15.43%) Land $6,000 Building $76,912 | $207,280 (+15.43%) Land $15,000 Building $192,280 |
| 2022 | $1,864.00 | $71,828 Land $6,000 Building $65,828 | $179,570 Land $15,000 Building $164,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 189 Refuge Ter in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 189 Refuge Ter is moderate, ranking above 46% 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 46% of the US · above 49% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TrailWave Fiber | 1,000 / 1,000 |
| Windstream Cable | 1,000 / 25 |
| T-Mobile Fixed Wireless | 100 / 20 |
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