3721 E Bay St, Duluth, GA 30096 Property Records

Gwinnett County property record for 3721 E Bay St, Duluth, GA 30096

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 1,878 sqft · built 1985
Lot Size	0.08 acres (3,484 sqft)
Owner	Individual Name on Record
Last Sale	$383,000 (Dec 2024)
Tax Bill	$4,378 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Mar 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6-296A-029`

Property Details

APN / Parcel Number

Primary APN	`6-296A-029`
Alternative APNs	`R6296A-029` `1148855`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,878 sqft Living Area
Gross Area	2,058 sqft
1st Floor Area	816 sqft
Basement Area	680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,484 sqft (0.08 acres)
Terrain	High
View / Lot	Primary
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	288 sqft
Patio Area	576 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	3721 E BAY ST
City	DULUTH
State	GA
Zip	30096-4814
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	L23 BB CHARLESTON BAY #3
Legal Subdivision	Y
Legal Block	B
Legal Lot Number	23
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	2
Census Block	2006
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	3721 E BAY ST, DULUTH, GA 30096-4814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2024	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL
Mar 21, 2024	Warranty Deed, Transfer
Apr 5, 2017	Loan Modification, Mortgage · FHA Mortgage FIRST GUARANTY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2024 · Amount on Record
Deed Sale	Dec 30, 2024 · Amount on Record
Prior Sale	Mar 21, 2024 · Amount on Record
Deed Book / Page	61607 / 686
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Dec 30, 2024
Property Address	3721 E BAY ST, DULUTH, GA 30096-4814
Document Number	0616070686
Book / Page	61607 / 686
Instrument Date	Dec 30, 2024
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.83
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3721 E BAY ST, DULUTH, GA 30096-4814

Mortgage

Document Number	0061607688
Date	Dec 30, 2024
Instrument	61607/688

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

Mortgage

Document Number	0616070709
Date	Dec 30, 2024
Book Page	0000061607/0000000709

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Jan 1, 2035

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Mar 21, 2024
Property Address	3721 E BAY ST, DULUTH, GA 30096-4814
Document Number	0611000807
Book / Page	61100 / 807
Instrument Date	Mar 15, 2024
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
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	3721 E BAY ST, DULUTH, GA 30096-4814

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GWINNETT GA
Property Address	3721 E BAY ST, DULUTH, GA 30096-4814
Document Number	0550780234
Instrument Date	Apr 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2180 SATELLITE BLVD #400 DULUTH GA 300974927, 400, DULUTH, GA 30097-4927

Mortgage

Document Number	0550780234
Date	Apr 27, 2017
Book Page	055078/000234

Lender

Name	FIRST GUARANTY MTG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

Interest

Rate	4.37%

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	$4,378.00 (-0.43%)	$172,120 (+25.64%) Land $22,000 Building $150,120	$430,300 (+25.64%) Land $55,000 Building $375,300
2023	$4,397.00	$137,000 Land $20,000 Building $117,000
2022			$342,500 Land $50,000 Building $292,500

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

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 97% of the US · lower than 98.8% of Georgia
Wildfire Likelihood	0.01% 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 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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