3409 Gary Cir, Augusta, GA 30906 Property Records

Augusta-Richmond County Consolidated Government property record for 3409 Gary Cir, Augusta, GA 30906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1986
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on File
Tax Bill	$469 (2026)
Deeds & Mortgages	Mar 2026 Transfer Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`123-3-054-00-0`

Property Details

APN / Parcel Number

Primary APN	`123-3-054-00-0`
Alternative APNs	`63489` `51771`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,444 sqft Gross Area
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Porch	Porch
Porch Area	85 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3409 GARY CIR
City	AUGUSTA
State	GA
Zip	30906-3715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	SAVANNAH TERRACE (00000) 009-D
Legal Subdivision	SAVANNAH TERRACE
Legal Block	D
Legal Lot Number	9
Jurisdiction	RICHMOND GA
Township / Civil Division	AUGUSTA
Census Block Group	2
Census Block	2015
Census Tract	10511

Owner

3409 Gary Cir is owned by a company that acquired it in March 2026.

Source: Augusta-Richmond County Consolidated Government records, as of October 6, 2026

Owner of Record	Company Name on File
Mailing Address	3409 GARY CIR, AUGUSTA, GA 30906-3715
Owner Type	Company

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
Mar 19, 2026	Quit Claim Deed, Transfer Quitclaim
Oct 14, 2025	Limited Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER DBA VETERA
Apr 17, 2025	Limited Warranty Deed, Transfer · Conventional Mortgage LOAN MOUNTAIN INVESTMENTS SUB REIT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2026
Deed Sale	Mar 19, 2026
Prior Sale	Oct 14, 2025 · Amount on File
Deed Document Number	202611419
Deed Book / Page	2007 / 2365
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHMOND GA
Recording Date	Mar 19, 2026
Property Address	3409 GARY CIR, AUGUSTA, GA 30906-3715
Document Number	0020072365
Book / Page	2007 / 2365
Instrument Date	Mar 19, 2026
Instrument	2026011419
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 GARY CIR, AUGUSTA, GA 30906-3715
Investor	Possibly a Property Investor

October 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	RICHMOND GA
Recording Date	Oct 14, 2025
Property Address	3409 GARY CIR, AUGUSTA, GA 30906-3715
Document Number	0019871565
Book / Page	1987 / 1565
Instrument Date	Oct 14, 2025
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1.75
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 GARY CIR, AUGUSTA, GA 30906-3715

Mortgage

Document Number	0019871568
Date	Oct 14, 2025
Instrument	1987/1568

Lender

Name	MORTGAGE RESEARCH CENTER DBA VETERA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2055

April 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	RICHMOND GA
Recording Date	Apr 17, 2025
Property Address	3409 GARY CIR, AUGUSTA, GA 30906-3715
Document Number	0019640901
Book / Page	1964 / 901
Instrument Date	Apr 14, 2025
Instrument	2025016863
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
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	4861 FAIRMONT DR, GRANITEVILLE, SC 29829-4139
Investor	Possibly a Property Investor

Mortgage

Document Number	2025016864
Date	Apr 17, 2025
Instrument	2025016864

Lender

Name	LOAN MOUNTAIN INVESTMENTS SUB REIT

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Due	Jan 1, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 3409 Gary Cir was $469, down 44.9% from the year before.

Source: Augusta-Richmond County Consolidated Government assessment roll, as of October 21, 2025

Property Jurisdictions

Type	Name
State	Georgia
County / Consolidated City	Augusta-Richmond County Consolidated Government
Unified School District	Richmond County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$469.00 (-44.89%)
2025	$851.00	$51,992 Land $4,800 Building $47,192	$129,980 Land $12,000 Building $117,980
2023	$657.00 (-8.88%) Senior Citizen's exemption Additional exemption filed	$52,152 (+42.94%) Land $4,800 Building $47,352	$130,380 (+42.94%) Land $12,000 Building $118,380
2022	$721.00	$36,486 Land $4,800 Building $31,686	$91,215 Land $12,000 Building $79,215

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

FEMA maps place 3409 Gary Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 19, 2022 · 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.

Wildfire

The area around 3409 Gary Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	AUGUSTA-RICHMOND CO WS serves 204,000 people · EPA ID GA2450000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: WOW Internet, Cable & Phone.

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