4105 Spring Cove Dr, Duluth, GA 30097 Property Records

Gwinnett County property record for 4105 Spring Cove Dr, Duluth, GA 30097

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,816 sqft · built 1998
Lot Size	0.03 acres (1,306 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Aug 2021)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	Sep 2024 Second Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7-243-306`

Property Details

APN / Parcel Number

Primary APN	`7-243-306`
Alternative APNs	`R7243-306` `2843551`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
1st Floor Area	600 sqft
Basement Area	600 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
Roof Material	Composition Shingle
Lot Area	1,306 sqft (0.03 acres)
View / Lot	Primary
Deck Area	128 sqft
Patio Area	256 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	4105 SPRING COVE DR
City	DULUTH
State	GA
Zip	30097-2842
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RM
Legal Description	UN 49 CHATTAHOOCHEE COVE #1
Legal Subdivision	CHATTAHOOCHEE COVE
Legal Unit	1
Jurisdiction	GWINNETT GA
Township / Civil Division	SUWANEE-DULUTH
Census Block Group	1
Census Block	1036
Census Tract	50235

Owner

4105 Spring Cove Dr, a townhouse, is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4105 SPRING COVE DR, DULUTH, GA 30097-2842
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
Sep 17, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Aug 19, 2021	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Prior Sale	Feb 9, 2018 · Amount on File
Deed Document Number	202128714
Deed Book / Page	59120 / 361
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	4105 SPRING COVE DR, DULUTH, GA 30097-2842
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4105 SPRING COVE DR, DULUTH, GA 30097-2842

Mortgage

Document Number	0614200827
Date	Sep 17, 2024
Book Page	0000061420/0000000827

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2044

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Aug 19, 2021
Property Address	4105 SPRING COVE DR, DULUTH, GA 30097-2842
Document Number	0591200361
Book / Page	59120 / 361
Instrument Date	Aug 19, 2021
Instrument	2021-028714
Transaction Type	Transfer
Record Updated	Apr 14, 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	4105 SPRING COVE DR, DULUTH, GA 30097-2842

Mortgage

Document Number	0059120363
Date	Aug 19, 2021
Instrument	59120/363

Lender

Name	AMERIS BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4105 Spring Cove Dr was $3,615.

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	$3,615.00	$144,880 Land $18,040 Building $126,840	$362,200 Land $45,100 Building $317,100
2023	$2,882.00	$126,000 Land $16,000 Building $110,000
2022			$315,000 Land $40,000 Building $275,000

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 4105 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 4105 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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