3870 Sutherland Bluff Dr NE, Townsend, GA 31331 Property Records

McIntosh County property record for 3870 Sutherland Bluff Dr NE, Townsend, GA 31331

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,080 sqft · built 2001
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Dec 2025)
Tax Bill	$4,751 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`0072-E-0005`

Property Details

APN / Parcel Number

Primary APN	`0072-E-0005`
Alternative APN	`5529`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,080 sqft Heated Area
1st Floor Area	2,396 sqft
2nd Floor Area	684 sqft
Flooring	Wood
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2012
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
View / Lot	Corner

Exterior Amenities

Porch	Patio
Porch Area	1,184 sqft
Deck Area	224 sqft
Patio Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	5529
Street Address	3870 SUTHERLAND BLUFF DR NE
City	TOWNSEND
State	GA
Zip	31331-3135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	007
Legal Description	H/LT 26 PH III SUTHERLAND BLUFF DB250/205
Legal Subdivision	SUTHERLAND BLUFF PLANTATION
Legal Phase	3
Legal Lot Number	26
Jurisdiction	MCINTOSH GA
Township / Civil Division	TOWNSEND
Census Block Group	1
Census Block	1022
Census Tract	110103

Owner

Source: McIntosh County records, as of March 23, 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	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage SOUTHEASTERN BANK
Dec 4, 2025	Warranty Deed, Transfer · USDA Mortgage ROCKET MORTGAGE
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage EXCHANGE BANK
Mar 24, 2017	Warranty Deed, Transfer · Conventional Mortgage EXCHANGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2025 · Amount on Record
Deed Sale	Dec 4, 2025 · Amount on Record
Prior Sale	Mar 24, 2017 · Amount on Record
Deed Book / Page	736 / 347
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH GA
Property Address	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135

Mortgage

Document Number	0000000740/0000000553
Date	Mar 11, 2026
Book Page	0000000740/0000000553
Instrument	2026000609

Lender

Name	SOUTHEASTERN BANK

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2031

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Dec 4, 2025
Property Address	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135
Document Number	000736/347
Book / Page	736 / 347
Instrument Date	Dec 4, 2025
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135

Mortgage

Document Number	0000000736/0000000350
Date	Dec 4, 2025
Book Page	0000000736/0000000350

Lender

Name	ROCKET MORTGAGE

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH GA
Property Address	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135
Transaction Type	Mortgage
Record Updated	Apr 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135

Mortgage

Document Number	0000000664/0000000623
Date	Nov 19, 2020
Book Page	0000000664/0000000623
Instrument	002408

Lender

Name	EXCHANGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH GA
Recording Date	Mar 24, 2017
Property Address	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135
Document Number	000623/762
Book / Page	623 / 762
Instrument Date	Mar 24, 2017
Instrument	2017-000237
Transaction Type	Transfer
Record Updated	Apr 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3870 SUTHERLAND BLUFF DR NE, TOWNSEND, GA 31331-3135

Mortgage

Document Number	000623/764
Date	Mar 30, 2017
Book Page	623/764
Instrument	000601

Lender

Name	EXCHANGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: McIntosh County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	McIntosh County
Unified School District	McIntosh County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,751.00 (+6.67%) Homeowner's exemption	$300,520 (+12.02%) Land $42,000 Building $258,520	$751,300 (+12.02%) Land $105,000 Building $646,300
2024	$4,454.00 (-0.34%) Homeowner's exemption	$268,280 (+3.31%) Land $42,000 Building $226,280	$670,700 (+3.31%) Land $105,000 Building $565,700
2023	$4,469.00 Homeowner's exemption	$259,680 Land $42,000 Building $217,680	$649,200 Land $105,000 Building $544,200

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 August 2, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 99 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	7 (2016–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims

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	High above 82% of the US · above 99.2% of Georgia
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Darien Telephone Company Fiber	1,000 / 250

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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