3734 E Bay St, Duluth, GA 30096 Property Records

Gwinnett County property record for 3734 E Bay St, Duluth, GA 30096 · Last verified June 2026

Property Summary

Property Type	Townhouse
Details	2 bd · 3.5 ba · 1,830 sqft · built 1985
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$227,000 (Jan 2020)
Tax Bill	$3,544 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6-296A-038`

Property Details

APN / Parcel Number

Primary APN	`6-296A-038`
Alternative APNs	`R6296A-038` `1148944`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,830 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	666 sqft
Basement Area	666 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	2,178 sqft (0.05 acres)
View / Lot	Primary
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	3734 E BAY ST
City	DULUTH
State	GA
Zip	30096-4814
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	L11 BC CHARLESTON BAY #3
Legal Subdivision	Y
Legal Block	C
Legal Lot Number	11
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	2
Census Block	2004
Census Tract	50219

Owner

Source: Gwinnett County records · APN 6-296A-038

Assessment roll updated November 17, 2025 · Last verified June 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 File
Mailing Address	3734 E BAY ST, DULUTH, GA 30096-4814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 05, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jan 15, 2020	Grant Deed, Transfer · FHA Mortgage AMERIS BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 10, 2020 · Amount on Record
Deed Sale	Jan 10, 2020 · Amount on Record
Prior Sale	Mar 15, 2016 · Amount on Record
Deed Document Number	2020888
Deed Book / Page	57181 / 634
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3734 E BAY ST, DULUTH, GA 30096-4814
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3734 E BAY ST, DULUTH, GA 30096-4814

Mortgage

Document Number	0605230454
Date	Apr 05, 2023
Book Page	0000060523/0000000454

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 01, 2038

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3734 E BAY ST, DULUTH, GA 30096-4814
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3734 E BAY ST, DULUTH, GA 30096-4814

Mortgage

Document Number	0598950816
Date	Apr 26, 2022
Book Page	0000059895/0000000816

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 01, 2037

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GWINNETT GA
Recording Date	Jan 15, 2020
Property Address	3734 E BAY ST, DULUTH, GA 30096-4814
Document Number	0571810634
Book / Page	057181 / 000634
Instrument Date	Jan 10, 2020
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$227.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3734 E BAY ST DULUTH GA 300964814, DULUTH, GA 30096-4814

Mortgage

Document Number	571810638
Date	Jan 15, 2020
Book Page	057181/000638

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

Tax Assessment & Valuation

Source: Gwinnett County records · Assessment roll updated November 17, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,544.00 (+20.38%)	$140,480 (+9.61%) Land $22,000 Building $118,480	$351,200 (+9.61%) Land $55,000 Building $296,200
2023	$2,944.00	$128,160 Land $20,000 Building $108,160
2022			$320,400 Land $50,000 Building $270,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gwinnett County (13135C), updated June 7, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 3% of the US · above 1% of Georgia
Wildfire Likelihood	About 1 in 9,091 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 413 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Xfinity, Verizon, Google Fiber. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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