398 Ridge Rd, Clarkesville, GA 30523 Property Records

Habersham County property record for 398 Ridge Rd, Clarkesville, GA 30523 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Rural Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2010
Square Footage	1,914 sqft Heated Area
Lot Size	607,662 sqft (13.9 acres)
Occupancy	Owner Occupied
Last Sale	$569,999 (2022)
Tax Bill	$5,125.00 (2025)

Owner

Source: Habersham County records · APN 039 036A

Assessment roll updated September 8, 2025 · Last verified April 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	398 RIDGE RD, CLARKESVILLE, GA 30523-8105
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 13, 2022 · Amount on Record
Deed Sale	Oct 13, 2022 · Amount on Record
Prior Sale	May 30, 2014 · Amount on Record
Deed Doc Number	20222584
Deed Book / Page	1320 / 1024
Transfer Doc	000937/566
Record Refreshed	Jun 08, 2026

October 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Oct 12, 2022
Property Address	398 RIDGE RD, CLARKESVILLE, GA 30523-8105
Document Number	01320/1024
Book / Page	1320 / 1024
Instrument Date	Oct 12, 2022
Instrument	2022-002584
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 RIDGE RD, CLARKESVILLE, GA 30523-8105

Mortgage

Document Number	0000001320/0000001027
Date	Oct 13, 2022
Book Page	0000001320/0000001027

Lender

Name	EVERETT FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Habersham County records · Assessment roll updated September 8, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,125.00 Homeowner's exemption	$267,737 (+18.69%) Land $59,820 Building $207,917	$669,343 (+18.69%) Land $149,551 Building $519,792
2023	Homeowner's exemption	$225,568 (+46.38%) Land $60,320 Building $165,248	$563,920 (+46.38%) Land $150,800 Building $413,120
2022	Homeowner's exemption	$154,100 Land $44,424 Building $109,676	$385,250 Land $111,060 Building $274,190

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Habersham County (13137C), updated January 5, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 55% of the US · above 80% of Georgia
Wildfire Likelihood	About 1 in 581 per year
Exposure	Direct burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN	`039 036A`
Alternative APNs	`668158` `684729` `381950`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,914 sqft Heated Area
Gross Area	4,788 sqft Gross Area
1st Floor	1,674 sqft 1st Floor
Basement Area	1,674 sqft Basement
Finished Basement	1,674 sqft Finished
Stories	1 Stories
Sunroom	Sunroom
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer Exterior
Roof Construction	Gable Roof Construction
Roof Material	Wood Shingle Roof
Lot Area	607,662 sqft (13.9 acres)
Parking Spaces	2 Parking Spaces
Garage Area	600 sqft Garage
Deck Area	168 sqft Deck
Patio Area	168 sqft Patio
Porch Area	192 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	381950
Street Address	398 RIDGE RD
City	CLARKESVILLE
State	GA
Zip	30523-8105
Property Usage	Residential Property Usage
Type	Residential > Single Family > Rural Home
Legal Description	11-138 TRK 2 PB 48-127 1320-1024
Legal Subdivision	CALVIN L WATERS & REBECCA S WA
Legal Tract	2
Jurisdiction	HABERSHAM GA
Minor Civil Division	CLARKESVILLE
Census Blockgroup	1
Census Block	1009
Census Tract	204