2431 Sutherland Bluff Dr NE, Townsend, GA 31331 Property Records

McIntosh County property record for 2431 Sutherland Bluff Dr NE, Townsend, GA 31331

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,245 sqft · built 2018
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$457,000 (Oct 2021)
Tax Bill	$4,218 (2025)
Deeds & Mortgages	Feb 2018 Construction Loan Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0072-E-0082`

Property Details

APN / Parcel Number

Primary APN	`0072-E-0082`
Alternative APN	`5602`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,245 sqft Heated Area
1st Floor Area	2,245 sqft
Flooring	Wood
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Metal
Lot Area	24,394 sqft (0.56 acres)
View / Lot	Corner
Garage Area	460 sqft
Porch	Patio
Porch Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	5602
Street Address	2431 SUTHERLAND BLUFF DR NE
City	TOWNSEND
State	GA
Zip	31331-3143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	007
Legal Description	18 PH II SUTH BLUFF
Legal Subdivision	SUTHERLAND BLUFF PLANTATION
Legal Phase	2
Jurisdiction	MCINTOSH GA
Township / Civil Division	TOWNSEND
Census Block Group	1
Census Block	1014
Census Tract	110103

Owner

2431 Sutherland Bluff Dr NE is owned and occupied by two individuals who bought it in October 2021.

Source: McIntosh County records, as of March 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2431 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3143
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
Feb 12, 2018	Deed of Trust, Mortgage · Construction Mortgage BRANCH BANKING AND TRUST CO
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL
Oct 21, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Aug 31, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on File
Deed Sale	Oct 21, 2021 · Amount on File
Prior Sale	Aug 31, 2017 · Amount on File
Deed Document Number	20211139
Deed Book / Page	679 / 897
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH GA
Property Address	2431 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3143
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000632/432
Date	Feb 12, 2018
Book Page	632/432
Instrument	000266

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH GA
Property Address	2431 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3143
Transaction Type	Mortgage
Record Updated	Apr 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2431 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3143
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000666/0000000126
Date	Jan 12, 2021
Book Page	0000000666/0000000126
Instrument	000139

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2040

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Oct 21, 2021
Property Address	2431 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3143
Document Number	000679/897
Book / Page	679 / 897
Instrument Date	Oct 21, 2021
Instrument	2021-001139
Transaction Type	Transfer
Record Updated	Apr 10, 2023

Transaction

Amount	Amount on Record
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	2431 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3143

Mortgage

Document Number	0000000679/0000000899
Date	Oct 29, 2021
Book Page	0000000679/0000000899
Instrument	002896

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Aug 31, 2017
Property Address	2431 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3143
Document Number	000628/787
Book / Page	628 / 787
Instrument Date	Aug 31, 2017
Instrument	2017-000828
Transaction Type	Transfer
Record Updated	Apr 10, 2023

Transaction

Amount	Amount 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 STILLWATER DR, BRUNSWICK, GA 31525-4555
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2431 Sutherland Bluff Dr NE was $4,218 with a homeowner's exemption.

Source: McIntosh County assessment roll, as of March 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,218.00 Homeowner's exemption	$252,040 Land $80,000 Building $172,040	$630,100 Land $200,000 Building $430,100
2023	$3,964.00 Homeowner's exemption	$210,640 Land $48,000 Building $162,640	$526,600 Land $120,000 Building $406,600

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 2431 Sutherland Bluff Dr NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 2, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 99 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	7 (2016–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims

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 2431 Sutherland Bluff Dr NE is moderate, ranking above 57% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 85% of Georgia
Wildfire Likelihood	0.07% 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	COOPER`S POINT / SUTHERLAND BLUFF private · serves 299 people · EPA ID GA1910101
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	4 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Darien Telephone Company Fiber	1,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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