320 Saddleback Cir, Dillard, GA 30537 Property Records

Rabun County property record for 320 Saddleback Cir, Dillard, GA 30537

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,141 sqft · built 2001
Lot Size	0.57 acres (24,963 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Sep 2020)
Tax Bill	$6,653 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058A-308`

Property Details

APN / Parcel Number

Primary APN	`058A-308`
Alternative APN	`10916`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,141 sqft Heated Area
1st Floor Area	1,472 sqft
Upper Floors Area	697 sqft
Basement Area	972 sqft
Finished Basement	972 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2005
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	24,963 sqft (0.57 acres)
Garage Area	480 sqft
Deck Area	470 sqft
Patio Area	940 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10916
Street Address	320 SADDLEBACK CIR
City	DILLARD
State	GA
Zip	30537-2679
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOT 74
Legal Subdivision	SKY VLY SUB PT 3
Legal Lot Number	74
Jurisdiction	RABUN GA
Township / Civil Division	MOUNTAIN CITY
Census Block Group	1
Census Block	1012
Census Tract	970102

Owner

Source: Rabun County records, as of December 9, 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 Record
Mailing Address	507 FORT AUGUSTA ST, EVANS, GA 30809-7217
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	Aug 1, 2003 · Amount on Record
Deed Document Number	20201594
Deed Book / Page	T47 / 427
Prior Transfer Date	Jun 29, 2005
Prior Transfer Doc	000J280226
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RABUN GA
Recording Date	Sep 30, 2020
Property Address	320 SADDLEBACK CIR, DILLARD, GA 30537-2679
Document Number	000T470427
Book / Page	T47 / 427
Instrument Date	Sep 30, 2020
Instrument	2020-001594
Transaction Type	Transfer
Record Updated	Mar 15, 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	507 FORT AUGUSTA ST, EVANS, GA 30809-7217

Mortgage

Document Number	000T470000000429
Date	Sep 30, 2020
Book Page	0000000T47/0000000429

Lender

Name	FIRST AMERICAN BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Rabun County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Rabun County
Municipality	Sky Valley City
Unified School District	Rabun County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,653.00 (+9.51%)	$240,859 (+24.07%) Land $40,000 Building $200,859	$602,147 (+24.07%) Land $100,000 Building $502,147
2023	$6,075.00 (-3.94%)	$194,134 (+9.61%) Land $32,000 Building $162,134	$485,335 (+9.61%) Land $80,000 Building $405,335
2022	$6,324.00	$177,116 Land $28,000 Building $149,116	$442,789 Land $70,000 Building $372,789

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 April 23, 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	5 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 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.08% 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	SKY VALLEY serves 1,820 people · EPA ID GA2410053
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

4G LTE only, no 5G reported

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