325 Saddleback Cir, Dillard, GA 30537 Property Records

Rabun County property record for 325 Saddleback Cir, Dillard, GA 30537

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,052 sqft · built 1990
Lot Size	0.366 acres (15,957 sqft)
Owner	2 Owner Names on Record
Last Sale	$420,000 (Sep 2006)
Tax Bill	$4,671 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058A-304`

Property Details

APN / Parcel Number

Primary APN	`058A-304`
Alternative APN	`10949`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,052 sqft Heated Area
1st Floor Area	1,789 sqft
Basement Area	1,263 sqft
Finished Basement	1,263 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	15,957 sqft
Garage Area	486 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	256 sqft
Deck Area	170 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10949
Street Address	325 SADDLEBACK CIR
City	DILLARD
State	GA
Zip	30537-2678
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOT 73 S WDS PT 3 SKY VLY
Legal Subdivision	SKY VLY
Legal Lot Number	73
Jurisdiction	RABUN GA
Township / Civil Division	MOUNTAIN CITY
Census Block Group	1
Census Block	1017
Census Tract	970102

Owner

Source: Rabun County records, as of December 8, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	325 SADDLEBACK CIR # 270, 270, DILLARD, GA 30537-2678
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2006 · Amount on Record
Deed Sale	Sep 1, 2006 · Amount on Record
Prior Sale	Sep 1, 2006
Deed Document Number	0000R30276
Deed Book / Page	R30 / 276
Last Transfer Date	Sep 8, 2006
Transfer Doc	000R300276
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	325 SADDLEBACK CIR, DILLARD, GA 30537-2678
Document Number	000G480137
Instrument Date	Jan 21, 2021
Transaction Type	Mortgage
Record Updated	Mar 30, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	325 SADDLEBACK CIR SKY VALLEY GA 305372678, SKY VALLEY, GA 30537-2678

Mortgage

Document Number	000G480137
Date	Jan 26, 2021
Book Page	000G48/000137

Lender

Name	RABUN CNTY BK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

Tax Assessment & Valuation

Source: Rabun County assessment roll, as of July 1, 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	$4,671.00 (+10.9%) Homeowner's exemption	$187,207 (+28.08%) Land $32,000 Building $155,207	$468,018 (+28.08%) Land $80,000 Building $388,018
2023	$4,212.00 (-10.27%) Homeowner's exemption	$146,161 (+11.18%) Land $25,600 Building $120,561	$365,402 (+11.18%) Land $64,000 Building $301,402
2022	$4,694.00 Homeowner's exemption	$131,464 Land $22,400 Building $109,064	$328,661 Land $56,000 Building $272,661

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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