3540 Citrus Dr, Duluth, GA 30096 Property Records

Gwinnett County property record for 3540 Citrus Dr, Duluth, GA 30096

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,687 sqft · built 1975
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jul 2008)
Tax Bill	$5,079 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6-262-233`

Property Details

APN / Parcel Number

Primary APN	`6-262-233`
Alternative APNs	`R6262-233` `1104271`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,687 sqft Living Area
Gross Area	2,237 sqft
1st Floor Area	1,137 sqft
Basement Area	1,100 sqft
Finished Basement	550 sqft
Unfinished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Primary
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3540 CITRUS DR
City	DULUTH
State	GA
Zip	30096-3838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	L11 BC LEMON TREE
Legal Subdivision	LEMON TREE
Legal Block	C
Legal Lot Number	11
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	3
Census Block	3010
Census Tract	50222

Owner

Source: Gwinnett County records, 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 Record
Mailing Address	3540 CITRUS DR, DULUTH, GA 30096-3838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING
Sep 4, 2025	Limited Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Oct 5, 2018	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2008 · Amount on Record
Deed Sale	Jul 10, 2008 · Amount on Record
Prior Sale	Oct 22, 2003 · Amount on Record
Deed Book / Page	48961 / 733
Last Transfer Date	Aug 28, 2025
Transfer Doc	0620510379
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3540 CITRUS DR, DULUTH, GA 30096-3838
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 CITRUS DR, DULUTH, GA 30096-3838

Mortgage

Document Number	0609740797
Date	Dec 28, 2023
Book Page	0000060974/0000000797

Lender

Name	FIGURE LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

September 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Sep 4, 2025
Property Address	3540 CITRUS DR, DULUTH, GA 30096-3838
Document Number	0620510379
Book / Page	62051 / 379
Instrument Date	Aug 28, 2025
Transaction Type	Transfer
Record Updated	Mar 9, 2026

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	3540 CITRUS DR, DULUTH, GA 30096-3838

Mortgage

Document Number	0062051381
Date	Sep 4, 2025
Instrument	62051/381

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2055

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3540 CITRUS DR, DULUTH, GA 30096-3838
Document Number	0562180286
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018
Title Company	PROVIDENCE GROUP TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 CITRUS DR DULUTH GA 300963838, DULUTH, GA 30096-3838

Mortgage

Document Number	0562180286
Date	Oct 15, 2018
Book Page	056218/000286

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 14, 2033

Tax Assessment & Valuation

Source: Gwinnett County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Gwinnett County
Unified School District	Gwinnett County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,079.00 (+9.37%)	$136,000 (+11.37%) Land $27,880 Building $108,120	$340,000 (+11.37%) Land $69,700 Building $270,300
2024	$4,644.00 (+12.58%)	$122,120 (+13.54%) Land $28,800 Building $93,320	$305,300 (+13.54%) Land $72,000 Building $233,300
2023	$4,125.00	$107,560 Land $22,000 Building $85,560
2022			$268,900 Land $55,000 Building $213,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 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	Low lower than 95% of the US · lower than 98.2% of Georgia
Wildfire Likelihood	0.03% 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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