290 Emerald Dr, Clarkesville, GA 30523 Property Records

Habersham County property record for 290 Emerald Dr, Clarkesville, GA 30523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,988 sqft · built 1986
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on File
Last Sale	$212,900 (Aug 2023)
Tax Bill	$2,646 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`099 136`

Property Details

APN / Parcel Number

Primary APN	`099 136`
Alternative APNs	`677629` `401657`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,988 sqft Heated Area
Gross Area	2,661 sqft
1st Floor Area	1,505 sqft
Upper Floors Area	420 sqft
Attic	Attic
Attic Area	420 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1990
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	150 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	427 sqft
Deck Area	36 sqft
Patio Area	246 sqft
Utility Building	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	401657
Street Address	290 EMERALD DR
City	CLARKESVILLE
State	GA
Zip	30523-4290
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI
Legal Description	EL DOROADO LT3 BLK 5 DB 1343-1044
Legal Subdivision	ELDORADO VILLAGE
Legal Block	5
Legal Lot Number	3
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	4
Census Block	4023
Census Tract	203

Owner

Source: Habersham County assessment roll, as of September 8, 2025

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

Owner of Record	Individual Name on File
Mailing Address	290 EMERALD DR, CLARKESVILLE, GA 30523-4290
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCE
Aug 11, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCE
Aug 27, 2019	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE
Aug 27, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Aug 27, 2019 · Amount on Record
Deed Book / Page	1343 / 1044
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	290 EMERALD DR, CLARKESVILLE, GA 30523-4290
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 EMERALD DR, CLARKESVILLE, GA 30523-4290

Mortgage

Document Number	0000001343/0000001060
Date	Aug 11, 2023
Book Page	0000001343/0000001060

Lender

Name	AMERICAN FINANCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 11, 2023
Property Address	290 EMERALD DR, CLARKESVILLE, GA 30523-4290
Document Number	01343/1044
Book / Page	1343 / 1044
Instrument Date	Aug 10, 2023
Transaction Type	Transfer
Record Updated	Oct 8, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 EMERALD DR, CLARKESVILLE, GA 30523-4290

Mortgage

Document Number	0013431047
Date	Aug 11, 2023
Instrument	1343/1047

Lender

Name	AMERICAN FINANCE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2053

Mortgage

Document Number	0000001343/0000001060
Date	Aug 11, 2023
Book Page	0000001343/0000001060

Lender

Name	AMERICAN FINANCE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 27, 2019
Property Address	290 EMERALD DR, CLARKESVILLE, GA 30523-4290
Document Number	0001201/34
Book / Page	1201 / 34
Instrument Date	Aug 27, 2019
Instrument	2019-001671
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	290 EMERALD DR, CLARKESVILLE, GA 30523-4290

Mortgage

Document Number	0000001201/0000000035
Date	Sep 10, 2019
Book Page	0000001201/0000000035

Lender

Name	ACADEMY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 27, 2019
Property Address	290 EMERALD DR, CLARKESVILLE, GA 30523-4290
Document Number	0001201/33
Book / Page	1201 / 33
Instrument Date	Aug 27, 2019
Instrument	2019-001672
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 GREEN HUNTER LN SE, GAINESVILLE, GA 30501-4535

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of September 8, 2025

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
2025	$2,646.00 (+21.94%)	$109,553 (+31.03%) Land $24,000 Building $85,553	$273,882 (+31.03%) Land $60,000 Building $213,882
2023	$2,170.00 (+17.17%)	$83,608 (+17.16%) Land $14,400 Building $69,208	$209,020 (+17.16%) Land $36,000 Building $173,020
2022	$1,852.00	$71,360 Land $12,000 Building $59,360	$178,400 Land $30,000 Building $148,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

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

Wildfire Risk	Moderate above 58% of the US · above 86% of Georgia
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
Habersham Electric Membership Fiber	1,000 / 1,000
Uniti Group Cable	1,000 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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