3746 E Bay St, Duluth, GA 30096 Property Records

Gwinnett County property record for 3746 E Bay St, Duluth, GA 30096

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,930 sqft · built 1985
Lot Size	0.08 acres (3,484 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Jan 2014)
Tax Bill	$3,222 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6-296A-056`

Property Details

APN / Parcel Number

Primary APN	`6-296A-056`
Alternative APNs	`R6296A-056` `1149126`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,930 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 1985
Effective Year Built	Effective 1985
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
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	3746 E BAY ST
City	DULUTH
State	GA
Zip	30096-6367
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	L16 BC CHARLESTON BAY UNIT
Legal Subdivision	Y UNIT
Legal Block	C
Legal Lot Number	16
Legal Unit	I
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	2
Census Block	2004
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	3746 E BAY ST, DULUTH, GA 30096-6367
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK
Sep 17, 2024	Deed of Trust, Mortgage · Line of Credit US BANK
Oct 16, 2018	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Jul 25, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2014 · Amount on Record
Deed Sale	Jan 31, 2014 · Amount on Record
Prior Sale	Apr 2, 2013 · Amount on Record
Deed Document Number	20142055
Deed Book / Page	52776 / 533
Prior Transfer Date	Sep 27, 2007
Prior Transfer Doc	0484510333
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3746 E BAY ST, DULUTH, GA 30096-6367
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3746 E BAY ST, DULUTH, GA 30096-6367

Mortgage

Document Number	0591770887
Date	Sep 14, 2021
Book Page	0000059177/0000000887

Lender

Name	US BANK

Agreement

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

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3746 E BAY ST, DULUTH, GA 30096-6367
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3746 E BAY ST, DULUTH, GA 30096-6367

Mortgage

Document Number	0614190860
Date	Sep 17, 2024
Book Page	0000061419/0000000860

Lender

Name	US BANK

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3746 E BAY ST, DULUTH, GA 30096-6367
Document Number	0561980897
Instrument Date	Oct 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 29, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3746 E BAY ST DULUTH GA 300966367, DULUTH, GA 30096-6367

Mortgage

Document Number	0561980897
Date	Oct 24, 2018
Book Page	056198/000897

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	3746 E BAY ST, DULUTH, GA 30096-6367
Document Number	0553140152
Book / Page	055314 / 000152
Instrument Date	Jul 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3746 E BAY ST DULUTH GA 300966367, DULUTH, GA 30096-6367

Mortgage

Document Number	0553140152
Date	Aug 8, 2017
Book Page	055314/000152

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 7, 2042

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	$3,222.00 (+20.49%)	$143,520 (+7.36%) Land $22,000 Building $121,520	$358,800 (+7.36%) Land $55,000 Building $303,800
2023	$2,674.00	$133,680 Land $20,000 Building $113,680
2022			$334,200 Land $50,000 Building $284,200

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