3699 Oak St, Duluth, GA 30096 Property Records

Gwinnett County property record for 3699 Oak St, Duluth, GA 30096

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 1984
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$443,500 (Jun 2024)
Tax Bill	$489 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7-203-103`

Property Details

APN / Parcel Number

Primary APN	`7-203-103`
Alternative APNs	`R7203-103` `1390699`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,268 sqft
1st Floor Area	1,740 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	49,658 sqft (1.14 acres)
Terrain	High
View / Lot	Primary
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3699 OAK ST
City	DULUTH
State	GA
Zip	30096-2749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Description	OAK ST
Legal Subdivision	PINECREST
Legal Block	B
Legal Lot Number	32
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	2
Census Block	2009
Census Tract	50234

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	2 Individual Names on Record
Mailing Address	3699 OAK ST, DULUTH, GA 30096-2749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Oct 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
May 5, 2017	Deed of Trust, Mortgage · VA Mortgage LINCOLN CAP ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2024 · Amount on Record
Deed Sale	Jun 10, 2024 · Amount on Record
Prior Sale	Jun 10, 2024
Deed Book / Page	61243 / 208
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3699 OAK ST, DULUTH, GA 30096-2749
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3699 OAK ST, DULUTH, GA 30096-2749

Mortgage

Document Number	0589580000000372
Date	Jul 15, 2021
Book Page	0000058958/0000000372

Lender

Name	FREEDOM MORTGAGE

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3699 OAK ST, DULUTH, GA 30096-2749
Document Number	0579840809
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Nov 5, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3699 OAK ST DULUTH GA 300962749, DULUTH, GA 30096-2749

Mortgage

Document Number	0579840809
Date	Oct 22, 2020
Book Page	057984/000809

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3699 OAK ST, DULUTH, GA 30096-2749
Document Number	0551870850
Book / Page	055187 / 000850
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3699 OAK ST DULUTH GA 300962749, DULUTH, GA 30096-2749

Mortgage

Document Number	0551870850
Date	Jun 14, 2017
Book Page	055187/000850

Lender

Name	LINCOLN CAP ADVISORS
Type	Funding / Finance Company
Address	ROSWELL, GA 30075

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

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	$489.00 (+79.78%)	$121,600 (-7.32%) Land $31,520 Building $90,080	$304,000 (-7.32%) Land $78,800 Building $225,200
2023	$272.00	$131,200 Land $31,520 Building $99,680
2022			$328,000 Land $78,800 Building $249,200

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 June 7, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2009–2023)
Most Recent Claim	Aug 2023 · river or lake flooding

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	0.02% 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 153 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: Verizon, Xfinity.

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