4085 Spring Cove Dr, Duluth, GA 30097 Property Records

Gwinnett County property record for 4085 Spring Cove Dr, Duluth, GA 30097

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 2,060 sqft · built 1998
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Feb 2026)
Tax Bill	$4,279 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`7-243-255`

Property Details

APN / Parcel Number

Primary APN	`7-243-255`
Alternative APNs	`R7243-255` `2764988`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,060 sqft Living Area
Gross Area	2,438 sqft
1st Floor Area	680 sqft
Basement Area	680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Townhouse
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	2,178 sqft (0.05 acres)
View / Lot	Primary
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4085 SPRING COVE DR
City	DULUTH
State	GA
Zip	30097-2833
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RM
Legal Description	UN 54 CHATTAHOOCHEE COVE #2
Legal Subdivision	CHATTAHOOCHEE COVE
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	1
Census Block	1036
Census Tract	50235

Owner

4085 Spring Cove Dr, a townhouse, is owned and occupied by an individual who bought it in February 2026.

Source: Gwinnett County records, as of May 28, 2026

Owner of Record	Individual Name on File
Mailing Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833
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
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE
Feb 19, 2026	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE
Dec 21, 2022	Warranty Deed, Transfer · Conventional Mortgage AFFINITY FEDERAL CREDIT UNION
Nov 1, 2022	Warranty Deed, Transfer
Nov 1, 2022	Warranty Deed, Transfer
Jul 23, 2019	Grant Deed, Transfer · FHA Mortgage STOCKTON MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2026 · Amount on File
Deed Sale	Feb 19, 2026 · Amount on File
Prior Sale	Nov 4, 2022 · Amount on File
Deed Book / Page	62352 / 899
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833

Mortgage

Document Number	0593150336
Date	Oct 20, 2021
Book Page	0000059315/0000000336

Lender

Name	STOCKTON MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Feb 19, 2026
Property Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833
Document Number	0623520899
Book / Page	62352 / 899
Instrument Date	Feb 18, 2026
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833

Mortgage

Document Number	0000623531
Date	Feb 19, 2026
Instrument	62353/1

Lender

Name	ROCKET MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2056

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Dec 21, 2022
Property Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833
Document Number	0603650470
Book / Page	60365 / 470
Instrument Date	Dec 21, 2022
Instrument	2022-037798
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
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	4085 SPRING COVE DR, DULUTH, GA 30097-2833

Mortgage

Document Number	0060365473
Date	Dec 21, 2022
Instrument	60365/473

Lender

Name	AFFINITY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jan 1, 2020

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Nov 1, 2022
Property Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833
Document Number	0602910379
Book / Page	60291 / 379
Instrument Date	Nov 1, 2022
Instrument	2022-033761
Transaction Type	Transfer
Record Updated	May 2, 2023

Transaction

Amount	Amount 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	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Nov 1, 2022
Property Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833
Document Number	0602910379
Book / Page	60291 / 379
Instrument Date	Nov 1, 2022
Instrument	2022-033761
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Amount	Amount 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	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GWINNETT GA
Recording Date	Jul 23, 2019
Property Address	4085 SPRING COVE DR, DULUTH, GA 30097-2833
Document Number	0567550231
Book / Page	056755 / 000231
Instrument Date	Jul 22, 2019
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4085 SPRING COVE DR DULUTH GA 300972833, DULUTH, GA 30097-2833

Mortgage

Document Number	567550253
Date	Jul 23, 2019
Book Page	056755/000253

Lender

Name	STOCKTON MTG
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4085 Spring Cove Dr was $4,279.

Source: Gwinnett County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Gwinnett County
Municipality	Duluth City
Unified School District	Gwinnett County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,279.00	$156,480 Land $18,040 Building $138,440	$391,200 Land $45,100 Building $346,100
2023	$3,890.00	$121,200 Land $16,000 Building $105,200
2022			$303,000 Land $40,000 Building $263,000

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 4085 Spring Cove Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2026 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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 4085 Spring Cove Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon, Xfinity.

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