245 E Water St, Clarkesville, GA 30523 Property Records

Habersham County property record for 245 E Water St, Clarkesville, GA 30523

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,898 sqft · built 1890
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Jan 2018)
Tax Bill	$6,282 (2026)
Deeds & Mortgages	Mar 2024 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`102 085`

Property Details

APN / Parcel Number

Primary APN	`102 085`
Alternative APNs	`675458` `402570`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,898 sqft Heated Area
Gross Area	4,944 sqft
1st Floor Area	2,408 sqft
Upper Floors Area	1,080 sqft
Attic	Attic
Attic Area	1,080 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	44,431 sqft (1.02 acres)
Lot Dimensions	230 ft deep x 170 ft wide

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	960 sqft
Deck Area	160 sqft
Patio Area	210 sqft
Bath House	280 sqft
Utility Building	286 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	402570
Street Address	245 E WATER ST
City	CLARKESVILLE
State	GA
Zip	30523-5418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	12-2 WATER ST DB 1158-465
Legal Subdivision	PROPERTY THOMAS L & JANE BRICE
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	2
Census Block	2025
Census Tract	300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	245 E WATER ST, CLARKESVILLE, GA 30523-5418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
May 19, 2023	Deed of Trust, Mortgage · FHA Mortgage FRANKLIN LOAN CENTER
Jan 29, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL
Nov 1, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2018 · Amount on Record
Deed Sale	Jan 29, 2018 · Amount on Record
Prior Sale	Nov 1, 2017 · Amount on Record
Deed Document Number	2018153
Deed Book / Page	1158 / 465
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	245 E WATER ST, CLARKESVILLE, GA 30523-5418
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 WOODWARD AVE, DETROIT, MI 48226-3573

Mortgage

Document Number	0000001360/0000000652
Date	Mar 22, 2024
Book Page	0000001360/0000000652

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	245 E WATER ST, CLARKESVILLE, GA 30523-5418
Transaction Type	Mortgage
Record Updated	Jun 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E WATER ST, CLARKESVILLE, GA 30523-5418

Mortgage

Document Number	0000001337/0000000973
Date	May 19, 2023
Book Page	0000001337/0000000973

Lender

Name	FRANKLIN LOAN CENTER

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jan 29, 2018
Property Address	245 E WATER ST, CLARKESVILLE, GA 30523-5418
Document Number	001158/465
Book / Page	1158 / 465
Instrument Date	Jan 29, 2018
Instrument	2018-000153
Transaction Type	Transfer
Record Updated	Apr 18, 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	245 E WATER ST, CLARKESVILLE, GA 30523-5418

Mortgage

Document Number	001158/467
Date	Feb 1, 2018
Book Page	1158/467

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Nov 1, 2017
Property Address	245 E WATER ST, CLARKESVILLE, GA 30523-5418
Document Number	0001152/39
Book / Page	1152 / 39
Instrument Date	Nov 1, 2017
Instrument	2017-002177
Transaction Type	Transfer
Record Updated	Apr 18, 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	245 E WATER ST, CLARKESVILLE, GA 30523-5418

Mortgage

Document Number	0001152/42
Date	Nov 2, 2017
Book Page	1152/42

Lender

Name	HOMESTAR FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

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	$6,282.00 Homeowner's exemption	$201,021 (+22.61%) Land $26,933 Building $174,088	$502,553 (+22.61%) Land $67,332 Building $435,221
2023	Homeowner's exemption	$163,952 (+14.49%) Land $23,232 Building $140,720	$409,880 (+14.49%) Land $58,080 Building $351,800
2022	Homeowner's exemption	$143,196 Land $23,232 Building $119,964	$357,990 Land $58,080 Building $299,910

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 AE, 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 46% of the US · above 49% of Georgia
Wildfire Likelihood	0.09% 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.

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

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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