Gilmer County property record for 389 Whitecliff Dr, Ellijay, GA 30540
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,568 sqft · built 1998 |
| Lot Size | 5.79 acres (252,212 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $635 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3046B 039 |
| Primary APN | 3046B 039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,568 sqft Gross Area |
| 1st Floor Area | 1,568 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Metal |
| Lot Area | 252,212 sqft (5.79 acres) |
| Deck Area | 160 sqft |
| Storage Building | 960 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 13226 |
|---|---|
| Street Address | 389 WHITECLIFF DR |
| City | ELLIJAY |
| State | GA |
| Zip | 30540-0341 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R1 |
| Legal Description | LT 39 & 42 HARPER COVE |
| Legal Subdivision | HARPER COVE |
| Legal Lot Number | 39 42 |
| Jurisdiction | GILMER GA |
| Township / Civil Division | NORTH GILMER |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 80200 |
389 Whitecliff Dr, a mobile home, is owned and occupied by two individuals who acquired it in January 1989.
Source: Gilmer County records, as of February 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 389 WHITECLIFF DR, ELLIJAY, GA 30540-0341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 1989 |
| Deed Sale | Jan 1, 1989 |
| Deed Document Number | 0000246181 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILMER GA |
| Property Address | 389 WHITECLIFF DR, ELLIJAY, GA 30540-0341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002042/43 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 2042/43 |
| Instrument | 003357 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2032 |
The 2025 property tax bill for 389 Whitecliff Dr was $635 with a homeowner's exemption.
Source: Gilmer County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Gilmer County |
| Unified School District | Gilmer County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $635.00 Homeowner's exemption | $50,030 Land $28,480 Building $21,550 | $125,076 Land $71,200 Building $53,876 |
| 2023 | $612.00 (+10.27%) Homeowner's exemption | $44,552 (+41.11%) Land $22,640 Building $21,912 | $111,379 (+41.11%) Land $56,600 Building $54,779 |
| 2022 | $555.00 Homeowner's exemption | $31,572 Land $19,360 Building $12,212 | $78,930 Land $48,400 Building $30,530 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 389 Whitecliff Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1994.
Source: FEMA National Flood Hazard Layer, effective December 14, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 3 (1994–2015) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Dec 2015 · Severe Storms And 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 risk around 389 Whitecliff Dr is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ETC Fiber | 2,500 / 2,500 |
4G LTE (outdoors only), no 5G reported
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