3648 E Bay St, Duluth, GA 30096 Property Records

Gwinnett County property record for 3648 E Bay St, Duluth, GA 30096

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,250 sqft · built 1986
Lot Size	0.06 acres (2,613 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Nov 2019)
Tax Bill	$4,455 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`6-291A-018`

Property Details

APN / Parcel Number

Primary APN	`6-291A-018`
Alternative APNs	`R6291A-018` `1140439`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,250 sqft Living Area
Gross Area	2,466 sqft
1st Floor Area	816 sqft
Basement Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,613 sqft (0.06 acres)
Terrain	High
View / Lot	Primary
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	240 sqft
Patio Area	480 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	3648 E BAY ST
City	DULUTH
State	GA
Zip	30096-6366
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	L18D ASHLEY SQUARE 1
Legal Subdivision	ASHLEY SQUARE 1
Legal Block	D
Legal Lot Number	18D
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	2
Census Block	2005
Census Tract	50219

Owner

Source: Gwinnett County records, as of May 28, 2026

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	3648 E BAY ST, DULUTH, GA 30096-6366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP
Sep 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE
Jan 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING
Aug 21, 2020	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAP
Dec 23, 2019	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2019 · Amount on Record
Deed Sale	Nov 26, 2019 · Amount on Record
Prior Sale	Sep 14, 2015 · Amount on Record
Deed Document Number	201932531
Deed Book / Page	57130 / 565
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3648 E BAY ST, DULUTH, GA 30096-6366
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3648 E BAY ST, DULUTH, GA 30096-6366

Mortgage

Document Number	0592030900
Date	Sep 21, 2021
Book Page	0000059203/0000000900

Lender

Name	INTERCONTINENTAL CAPITAL GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3648 E BAY ST, DULUTH, GA 30096-6366
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3648 E BAY ST, DULUTH, GA 30096-6366

Mortgage

Document Number	0601970030
Date	Sep 12, 2022
Book Page	0000060197/0000000030

Lender

Name	FILO MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3648 E BAY ST, DULUTH, GA 30096-6366
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 S TRYON ST, CHARLOTTE, NC 28202-3271

Mortgage

Document Number	0616220562
Date	Jan 8, 2025
Book Page	0000061622/0000000562

Lender

Name	FIGURE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2040

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3648 E BAY ST, DULUTH, GA 30096-6366
Document Number	0578330649
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3648 E BAY ST DULUTH GA 300966366, DULUTH, GA 30096-6366

Mortgage

Document Number	0578330649
Date	Sep 8, 2020
Book Page	057833/000649

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GWINNETT GA
Recording Date	Dec 23, 2019
Property Address	3648 E BAY ST, DULUTH, GA 30096-6366
Document Number	0571300565
Book / Page	057130 / 000565
Instrument Date	Nov 26, 2019
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3648 E BAY ST DULUTH GA 300966366, DULUTH, GA 30096-6366

Mortgage

Document Number	571300569
Date	Dec 23, 2019
Book Page	057130/000569

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,455.00 (+16.71%)	$174,080 (+9.43%) Land $22,000 Building $152,080	$435,200 (+9.43%) Land $55,000 Building $380,200
2023	$3,817.00	$159,080 Land $20,000 Building $139,080
2022			$397,700 Land $50,000 Building $347,700

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 98.5% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Google Fiber, Verizon, Xfinity.

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