4 Lower Gap Rd, Sautee Nacoochee, GA 30571 Property Records

White County property record for 4 Lower Gap Rd, Sautee Nacoochee, GA 30571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,898 sqft · built 2003
Lot Size	1.29 acres (56,355 sqft)
Owner	Individual Name on File
Last Sale	$354,495 (Dec 2025)
Tax Bill	$2,487 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage May 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`070 184`

Property Details

APN / Parcel Number

Primary APN	`070 184`
Alternative APN	`47903`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,898 sqft Living Area
1st Floor Area	1,898 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Roof Type	Reinforced Concrete
Roof Material	Wood Shingle
Lot Area	56,355 sqft (1.29 acres)
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	125 sqft
Deck Area	461 sqft
Patio Area	461 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	47903
Street Address	4 LOWER GAP RD
City	SAUTEE NACOOCHEE
State	GA
Zip	30571-5175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LL 12 LD 3 LOT 15 W SKYLAKE
Legal Subdivision	SKYLAKE RECREATIONAL COMMUNITY
Legal Lot Number	15
Jurisdiction	WHITE GA
Township / Civil Division	HELEN
Census Block Group	1
Census Block	1054
Census Tract	950101

Owner

4 Lower Gap Rd is owned and occupied by an individual who bought it in December 2025.

Source: White County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	4 LOWER GAP RD, SAUTEE NACOOCHEE, GA 30571-5175
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Warranty Deed, Transfer · FHA Mortgage NEW AMERICA FUNDING
May 20, 2019	Loan Modification, Mortgage · Conventional Mortgage UNITED CMNTY BK
Dec 13, 2018	Deed of Trust, Mortgage · Line of Credit UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2025 · Amount on File
Deed Sale	Dec 9, 2025 · Amount on File
Deed Book / Page	1987 / 622
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE GA
Recording Date	Dec 9, 2025
Property Address	4 LOWER GAP RD, SAUTEE NACOOCHEE, GA 30571-5175
Document Number	0019870622
Book / Page	1987 / 622
Instrument Date	Dec 9, 2025
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 LOWER GAP RD, SAUTEE NACOOCHEE, GA 30571-5175

Mortgage

Document Number	0001987624
Date	Dec 9, 2025
Instrument	1987/624

Lender

Name	NEW AMERICA FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHITE GA
Property Address	4 LOWER GAP RD, SAUTEE NACOOCHEE, GA 30571-5175
Document Number	0017160172
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 LOWER GAP RD SAUTEE GA 305715175, SAUTEE, GA 30571-5175

Mortgage

Document Number	0017160172
Date	Jun 7, 2019
Book Page	001716/000172

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	CLEVELAND, GA 30528

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 6, 2044

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE GA
Property Address	4 LOWER GAP RD, SAUTEE NACOOCHEE, GA 30571-5175
Document Number	0017000570
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Mar 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 LOWER GAP RD SAUTEE GA 305715175, SAUTEE, GA 30571-5175

Mortgage

Document Number	0017000570
Date	Jan 4, 2019
Book Page	001700/000570

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	CLEVELAND, GA 30528

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 3, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4 Lower Gap Rd was $2,487, up 285.6% from the year before.

Source: White County assessment roll, as of October 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,487.00 (+285.58%)
2025	$645.00 (+0.31%)	$122,976 Land $12,600 Building $110,376	$307,440 Land $31,500 Building $275,940
2024	$643.00
2023		$108,012 (+13.65%) Land $11,760 Building $96,252	$270,030 (+13.65%) Land $29,400 Building $240,630
2022	$404.00 Additional exemption filed	$95,040 Land $11,760 Building $83,280	$237,600 Land $29,400 Building $208,200

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

FEMA maps place 4 Lower Gap Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 5, 2018 · 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
Nearby Flood Policies	5 units insured incl. 2 condo units

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

Wildfire risk around 4 Lower Gap Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 94% of Georgia
Wildfire Likelihood	0.2% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream Cable · DSL	1,000 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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