195 Crest Winds Dr, Clarkesville, GA 30523 Property Records

Habersham County property record for 195 Crest Winds Dr, Clarkesville, GA 30523

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,043 sqft · built 2005
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Sep 2014)
Tax Bill	$2,902 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040 210K`

Property Details

APN / Parcel Number

Primary APN	`040 210K`
Alternative APNs	`668613` `382933`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,043 sqft Heated Area
Gross Area	2,330 sqft
1st Floor Area	2,016 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	44,867 sqft (1.03 acres)
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	186 sqft
Deck Area	Deck Area
Patio Area	128 sqft
Canopy	400 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	382933
Street Address	195 CREST WINDS DR
City	CLARKESVILLE
State	GA
Zip	30523-8103
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	LI
Legal Description	11-144 LT 10 PB 47-92 1065-649
Legal Subdivision	CREST WINDS
Legal Lot Number	10
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	1
Census Block	1008
Census Tract	204

Owner

195 Crest Winds Dr, a rural home, is owned and occupied by an individual who bought it in September 2014.

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

Owner of Record	Individual Name on File
Mailing Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

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
Jul 2, 2021	Deed of Trust, Mortgage COMPLETE RENTAL INVESTMENTS
Oct 1, 2025	Deed of Trust, Mortgage PENNYMAC LOAN SERVICE
Feb 20, 2024	Deed of Trust, Mortgage · Conventional Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Oct 6, 2022	Deed of Trust, Mortgage · FHA Mortgage HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2014 · Amount on File
Deed Sale	Sep 9, 2014 · Amount on File
Prior Sale	Jun 24, 2011 · Amount on File
Deed Document Number	20142129
Deed Book / Page	1065 / 649
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103

Mortgage

Document Number	0000001270/0000000306
Date	Jul 2, 2021
Book Page	0000001270/0000000306

Lender

Name	COMPLETE RENTAL INVESTMENTS

Agreement

Amount	Amount on Record
Term	24 Months
Due	Jan 1, 2023

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103

Mortgage

Document Number	0000001412/0000000162
Date	Oct 1, 2025
Book Page	0000001412/0000000162

Lender

Name	PENNYMAC LOAN SERVICE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103

Mortgage

Document Number	0000001357/0000001347
Date	Feb 20, 2024
Book Page	0000001357/0000001347

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2064

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 CREST WINDS DR, CLARKESVILLE, GA 30523-8103

Mortgage

Document Number	0000001320/0000000565
Date	Oct 6, 2022
Book Page	0000001320/0000000565

Lender

Name	HOMESTAR FINANCIAL

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 195 Crest Winds Dr was $2,902.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,902.00	$127,302 Land $16,000 Building $111,302	$318,254 Land $40,000 Building $278,254
2023	$2,429.00 (+14.85%)	$93,608 (+14.87%) Land $8,400 Building $85,208	$234,020 (+14.87%) Land $21,000 Building $213,020
2022	$2,115.00	$81,488 Land $8,400 Building $73,088	$203,720 Land $21,000 Building $182,720

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 195 Crest Winds Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 5, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 195 Crest Winds Dr is moderate, ranking above 53% 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 53% of the US · above 74% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream Cable · DSL	1,000 / 25
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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