2876 Oconee Cir, Gainesville, GA 30507 Property Records

Hall County property record for 2876 Oconee Cir, Gainesville, GA 30507

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,895 sqft · built 1999
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,463 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-021D-000-082`

Property Details

APN / Parcel Number

Primary APN	`15-021D-000-082`
Alternative APN	`47074`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,895 sqft Heated Area
1st Floor Area	1,895 sqft
Basement Area	1,895 sqft
Unfinished Basement	1,895 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	Rustic
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Lot Dimensions	316 ft deep x 120 ft wide
Garage Area	441 sqft

Exterior Amenities

Porch	Slab
Porch Area	208 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	47074
Street Address	2876 OCONEE CIR
City	GAINESVILLE
State	GA
Zip	30507-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	OCONEE CIRCLE
Legal Subdivision	J HARVEY KERBY & AMY L KERBY
Jurisdiction	HALL GA
Township / Civil Division	GAINESVILLE
Census Block Group	1
Census Block	1025
Census Tract	602

Owner

2876 Oconee Cir is owned and occupied by two individuals who acquired it in July 2003.

Source: Hall County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2876 OCONEE CIR, GAINESVILLE, GA 30507-7801
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 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jun 30, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 31, 2003
Transfer Doc	4702000227
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL GA
Property Address	2876 OCONEE CIR, GAINESVILLE, GA 30507-7801
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2876 OCONEE CIR, GAINESVILLE, GA 30507-7801

Mortgage

Document Number	0091710000000290
Date	Jul 29, 2022
Book Page	0000009171/0000000290

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL GA
Property Address	2876 OCONEE CIR, GAINESVILLE, GA 30507-7801
Document Number	0085730438
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2876 OCONEE CIR GAINESVILLE GA 305077801, GAINESVILLE, GA 30507-7801

Mortgage

Document Number	0085730438
Date	Aug 19, 2020
Book Page	008573/000438

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	264 Months
Due	Aug 18, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 2876 Oconee Cir was $2,463 with a homeowner's exemption, up 3.4% from the year before.

Source: Hall County assessment roll, as of October 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,463.00 (+3.36%) Homeowner's exemption	$133,400 (+11.65%) Land $22,440 Building $110,960	$333,500 (+11.65%) Land $56,100 Building $277,400
2025	$2,383.00 Homeowner's exemption	$119,480 Land $20,400 Building $99,080	$298,700 Land $51,000 Building $247,700
2023	$2,545.00 Homeowner's exemption	$97,960 Land $13,440 Building $84,520	$244,900 (+24.95%) Land $33,600 Building $211,300
2022			$196,000 Land $12,900 Building $183,100

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

Flood

FEMA maps place 2876 Oconee Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 2876 Oconee Cir is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 53% of Georgia
Wildfire Likelihood	0.09% 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	GAINESVILLE serves 140,000 people · EPA ID GA1390001
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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