197 Summer Rd, Clarkesville, GA 30523 Property Records

Habersham County property record for 197 Summer Rd, Clarkesville, GA 30523

Property Summary

Property Type	Seasonal / Vacation Home
Details	5 bd · 3.5 ba · 2,603 sqft · built 1992
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Jun 2023)
Tax Bill	$4,445 (2026)
Deeds & Mortgages	Jul 2018 Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`124 186`

Property Details

APN / Parcel Number

Primary APN	`124 186`
Alternative APNs	`675341` `410936`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,603 sqft Heated Area
Gross Area	5,027 sqft
1st Floor Area	1,781 sqft
Upper Floors Area	518 sqft
Attic	Attic
Attic Area	518 sqft
Basement Area	1,235 sqft
Finished Basement	1,235 sqft
Unfinished Basement	882 sqft
Sunroom	Sunroom
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2007
Exterior Material	Wood
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	31,799 sqft (0.73 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	352 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	410936
Street Address	197 SUMMER RD
City	CLARKESVILLE
State	GA
Zip	30523-1357
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	LI
Legal Description	13-95 LT 124 PB 35-70 DB 1340-247
Legal Subdivision	ORCHARD PH 01
Legal Lot Number	124
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	3
Census Block	3026
Census Tract	203

Owner

197 Summer Rd, a residential property, is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357
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
Jul 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Jun 23, 2023	Warranty Deed, Transfer
Jun 25, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Prior Sale	Mar 28, 2012 · Amount on File
Deed Document Number	20231478
Deed Book / Page	1340 / 247
Prior Transfer Date	Jun 25, 2018
Prior Transfer Doc	001169/800
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001169/785
Date	Jul 6, 2018
Book Page	1169/785

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001234/0000000890
Date	Oct 8, 2020
Book Page	0000001234/0000000890

Lender

Name	HOMESTAR FINANCIAL

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001301/0000000594
Date	Apr 11, 2022
Book Page	0000001301/0000000594

Lender

Name	ROCKET MORTGAGE

Agreement

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

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jun 23, 2023
Property Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357
Document Number	001340/247
Book / Page	1340 / 247
Instrument Date	Jun 23, 2023
Instrument	2023-001478
Transaction Type	Transfer
Record Updated	Aug 3, 2023

Transaction

Amount	Amount on Record
Tax	$4.95
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	5879 NW CINCY CT, PORT ST LUCIE, FL 34986-4218

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jun 25, 2018
Property Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357
Document Number	001169/800
Book / Page	1169 / 800
Instrument Date	Jun 25, 2018
Instrument	2018-001143
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Trustee Sale Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	197 SUMMER RD, 197, CLARKESVILLE, GA 30523-1357

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SUMMER RD, CLARKESVILLE, GA 30523-1357

Tax Assessment & Valuation

The 2026 property tax bill for 197 Summer Rd was $4,445, down 1% from the year before.

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	$4,445.00 (-9.98%)	$194,985 (-4.62%) Land $14,000 Building $180,985	$487,463 (-4.62%) Land $35,000 Building $452,463
2025	$4,938.00	$204,423 Land $14,000 Building $190,423	$511,057 Land $35,000 Building $476,057
2023	Homeowner's exemption	$156,156 (+15.6%) Land $8,000 Building $148,156	$390,390 (+15.6%) Land $20,000 Building $370,390
2022	Homeowner's exemption	$135,084 Land $8,000 Building $127,084	$337,710 Land $20,000 Building $317,710

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

FEMA maps place 197 Summer Rd 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 197 Summer Rd is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 79% of Georgia
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	PINECREST MOUNTAIN S/D private · serves 67 people · EPA ID GA1370063
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	13 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 36 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

Cell Coverage

5G and 4G LTE (outdoors only)

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