223 Circle Dr, Clarkesville, GA 30523 Property Records

Habersham County property record for 223 Circle Dr, Clarkesville, GA 30523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,391 sqft · built 2003
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (May 2022)
Tax Bill	$4,760 (2026)
Deeds & Mortgages	Jan 2007 Mortgage Jan 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`102 157`

Property Details

APN / Parcel Number

Primary APN	`102 157`
Alternative APNs	`683774` `402731`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,391 sqft Heated Area
Gross Area	2,060 sqft
1st Floor Area	689 sqft
Upper Floors Area	702 sqft
Attic	Attic
Attic Area	702 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Exterior Material	Aluminum Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	161 ft deep x 75 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	402731
Street Address	223 CIRCLE DR
City	CLARKESVILLE
State	GA
Zip	30523-5535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	12-2 LOT 3 PB 52-91 1305-392
Legal Subdivision	CITY CLARKESVILLE
Legal Lot Number	3
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2007	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE
Jan 10, 2007	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE
May 4, 2022	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
May 4, 2022	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Mar 29, 2013	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	Mar 29, 2013 · Amount on Record
Deed Document Number	20221344
Deed Book / Page	1305 / 392
Record Updated	Oct 29, 2026

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000787/599
Date	Jan 10, 2007
Book Page	787/599

Lender

Name	COUNTRYWIDE
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2022

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000787/582
Date	Jan 10, 2007
Book Page	787/582

Lender

Name	COUNTRYWIDE
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Jan 1, 2009

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 4, 2022
Property Address	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535
Document Number	001305/392
Book / Page	1305 / 392
Instrument Date	May 4, 2022
Instrument	2022-001344
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535

Mortgage

Document Number	0000001305/0000000395
Date	May 10, 2022
Book Page	0000001305/0000000395

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

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

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 4, 2022
Property Address	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535
Document Number	001305/392
Book / Page	1305 / 392
Instrument Date	May 4, 2022
Instrument	2022-001344
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	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535

Mortgage

Document Number	0001305395
Date	May 4, 2022
Instrument	1305/395

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2052

March 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 29, 2013
Property Address	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535
Document Number	001022/721
Book / Page	1022 / 721
Instrument Date	Mar 29, 2013
Instrument	2013-000794
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	223 CIRCLE DR, CLARKESVILLE, GA 30523-5535
Investor	Possibly a Property Investor

Mortgage

Document Number	001022/723
Date	Apr 4, 2013
Book Page	1022/723

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2043

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	$4,760.00 (+66.73%)	$132,095 (+20.06%) Land $14,495 Building $117,600	$330,237 (+20.06%) Land $36,238 Building $293,999
2023	$2,855.00 (+56.7%)	$110,028 (+56.66%) Land $14,728 Building $95,300	$275,070 (+56.66%) Land $36,820 Building $238,250
2022	$1,822.00	$70,232 Land $11,048 Building $59,184	$175,580 Land $27,620 Building $147,960

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 52% of the US · above 73% 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.

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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable · Fiber in parts of the area	1,000 / 25
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: TrailWave.

Cell Coverage

5G (outdoors only) and 4G LTE

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