Gwinnett County property record for 3232 Saint Elmo Ct, Duluth, GA 30097
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 7,852 sqft · built 2002 |
| Lot Size | 0.91 acres (39,639 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,350,000 (Jul 2026) |
| Tax Bill | $26,298 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7-163-227 |
| Primary APN | 7-163-227 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 7,852 sqft Living Area |
| Gross Area | 8,611 sqft |
| Basement Area | 3,248 sqft |
| Finished Basement | 3,248 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 39,639 sqft (0.91 acres) |
| Terrain | High |
| View / Lot | Primary |
| Garage Type | Attached |
| Garage Area | 759 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 432 sqft |
| Patio Area | 648 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3232 SAINT ELMO CT |
|---|---|
| City | DULUTH |
| State | GA |
| Zip | 30097-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R75 |
| Legal Description | L866 BJ SUGARLOAF COUNTRY CLUB POD 10B #1 |
| Legal Subdivision | BJ SUGARLOAF COUNTRY CLUB POD 10B |
| Legal Block | J |
| Legal Lot Number | 866 |
| Legal Unit | 1 |
| Jurisdiction | GWINNETT GA |
| Township / Civil Division | SUWANEE-DULUTH |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 50238 |
Source: Gwinnett County assessment roll, as of November 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE |
| Jul 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Jan 27, 2023 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK |
| Jul 8, 2019 | Deed of Trust, Mortgage ATLANTIC BAY MTG |
| Feb 16, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 14, 2026 · Amount on Record |
| Deed Sale | Jul 14, 2026 · Amount on Record |
| Prior Sale | Jan 30, 2017 · Amount on Record |
| Deed Book / Page | 62641 / 736 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GWINNETT GA |
| Recording Date | Jul 14, 2026 |
| Property Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Document Number | 6264000736 |
| Book / Page | 62641 / 736 |
| Instrument Date | Jul 14, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Document Number | 6264000737, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 62641/737 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GWINNETT GA |
| Property Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Document Number | 0589600556 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 0000058960/0000000556 |
| Name | REGIONS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GWINNETT GA |
| Property Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Document Number | 0604130745 |
|---|---|
| Date | Jan 27, 2023 |
| Book Page | 0000060413/0000000745 |
| Name | CADENCE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GWINNETT GA |
| Property Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Document Number | 0567390747 |
| Instrument Date | Jul 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3232 SAINT ELMO CT DULUTH GA 300975006, DULUTH, GA 30097-5006 |
| Document Number | 0567390747 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 056739/000747 |
| Name | ATLANTIC BAY MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 16, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GWINNETT GA |
| Recording Date | Feb 16, 2017 |
| Property Address | 3232 SAINT ELMO CT, DULUTH, GA 30097-5006 |
| Document Number | 0549350666 |
| Book / Page | 054935 / 000666 |
| Instrument Date | Jan 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
Source: Gwinnett County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Gwinnett County |
| Unified School District | Gwinnett County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $26,298.00 (+0.05%) | $759,040 (+4.4%) Land $100,080 Building $658,960 | $1,897,600 (+4.4%) Land $250,200 Building $1,647,400 |
| 2023 | $26,285.00 | $727,080 Land $96,000 Building $631,080 | |
| 2022 | $1,817,700 Land $240,000 Building $1,577,700 |
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.
Source: FEMA National Flood Hazard Layer, effective June 7, 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 |
| Community Rating System | Class 7 (15% premium discount) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 97.1% of Georgia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GWINNETT CO. DEPT. OF WATER RESOURCES serves 975,000 people · EPA ID GA1350004 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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