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3965 E Saddle Ridge Dr, Lithonia, GA 30038 Property Records

DeKalb County property record for 3965 E Saddle Ridge Dr, Lithonia, GA 30038

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,838 sqft · built 2002
Lot Size0.6 acres (26,136 sqft)
OwnerIndividual Name on File
Last Sale$270,000 (Oct 2020)
Tax Bill$5,880 (2023)
Deeds & MortgagesOct 2020 Sale & Mortgage
Jul 2017 Mortgage
Flood ZoneZone X (moderate risk)
APN16 046 01 057

Property Details

APN / Parcel Number

Primary APN16 046 01 057

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Plumbing Fixtures12 Plumbing Fixtures
Stories2 Stories
Building Area2,838 sqft Living Area
Gross Area2,130 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Architectural StyleTraditional
Exterior MaterialBrick
Lot Area26,136 sqft (0.6 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Old Parcel Number1604601057
Street Address3965 E SADDLE RIDGE DR
CityLITHONIA
StateGA
Zip30038-3975
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR100
Legal DescriptionCITY/MUNI/TWP:STONECREST
Legal SubdivisionTRAILS AT SAVOY CHASE
Legal BlockD
Legal Lot Number1 2
JurisdictionDE KALB GA
Township / Civil DivisionLITHONIA
Census Block Group2
Census Block2000
Census Tract23432

Owner

3965 E Saddle Ridge Dr is owned and occupied by an individual who acquired it in October 2020.

Source: DeKalb County records, as of February 14, 2024

Owner of RecordIndividual Name on File
Mailing Address3965 E SADDLE RIDGE DR, LITHONIA, GA 30038-3975
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 30, 2020Grant Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MTG
Jul 10, 2017Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 23, 2020 · Amount on File
Deed SaleOct 23, 2020 · Amount on File
Prior SaleMay 7, 2004 · Amount on File
Deed Document Number2020-022785
Deed Book / Page28768 / 595
Last Transfer DateOct 30, 2020
Transfer Doc0287680595
Record UpdatedJun 7, 2026

October 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionDE KALB GA
Recording DateOct 30, 2020
Property Address3965 E SADDLE RIDGE DR, LITHONIA, GA 30038-3975
Document Number0287680595
Book / Page028768 / 000595
Instrument DateOct 23, 2020
Instrument156447
Transaction TypeTransfer
Record UpdatedNov 17, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$270.00
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address3965 E SADDLE RIDGE DR LITHONIA GA 300383975, LITHONIA, GA 30038-3975

Mortgage

Document Number287680597
DateOct 30, 2020
Book Page028768/000597
Instrument156449
Lender
NameCROSSCOUNTRY MTG
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueOct 29, 2050

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDE KALB GA
Property Address3965 E SADDLE RIDGE DR, LITHONIA, GA 30038-3975
Document Number0264370624
Instrument DateJul 10, 2017
Transaction TypeMortgage
Record UpdatedAug 25, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3965 E SADDLE RIDGE DR LITHONIA GA 300383975, LITHONIA, GA 30038-3975

Mortgage

Document Number0264370624
DateAug 17, 2017
Book Page026437/000624
Instrument124949
Lender
NameMISCELLANEOUS GOVT AGCY
AddressATLANTA, GA 30329
Agreement
TypeConventional Mortgage
AmountAmount on Record

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of July 1, 2023

Property Jurisdictions

TypeName
StateGeorgia
CountyDeKalb County
MunicipalityStonecrest City
Unified School DistrictDeKalb County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$5,880.00 (+2.28%)$124,520 (+1.83%) Land $8,080 Building $116,440$311,300 (+1.83%) Land $20,200 Building $291,100
2022$5,749.00$122,280 Land $8,080 Building $114,200$305,700 Land $20,200 Building $285,500

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

FEMA maps place 3965 E Saddle Ridge Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 25, 2025

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 3965 E Saddle Ridge Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 85% of Georgia
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemDEKALB COUNTY
serves 743,000 people · EPA ID GA0890001
Water SourceSurface water
Last State InspectionNov 2023
Lead6 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 183 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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