440 E Water St, Clarkesville, GA 30523 Property Records

Habersham County property record for 440 E Water St, Clarkesville, GA 30523

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,928 sqft · built 1892
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jul 2022)
Tax Bill	$8,338 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`102 075`

Property Details

APN / Parcel Number

Primary APN	`102 075`
Alternative APNs	`684169` `402551`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,928 sqft Heated Area
Gross Area	3,727 sqft
1st Floor Area	1,967 sqft
Basement Area	88 sqft
Unfinished Basement	88 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1892
Effective Year Built	Effective 2021
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	51,836 sqft (1.19 acres)
Lot Dimensions	210 ft deep x 229 ft wide
Garage Area	210 sqft
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	402551
Street Address	440 E WATER ST
City	CLARKESVILLE
State	GA
Zip	30523-5424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	12-2 440 E WATER 1313-909
Legal Subdivision	OLD SCHOOL PROP
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	1
Census Block	1020
Census Tract	204

Owner

440 E Water St is owned and occupied by two individuals who bought it in July 2022.

Source: Habersham County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	440 E WATER ST, CLARKESVILLE, GA 30523-5424
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 18, 2021	Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK
Jul 26, 2021	Warranty Deed, Transfer
Feb 4, 2021	Warranty Deed, Transfer
May 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on File
Deed Sale	Jul 21, 2022 · Amount on File
Deed Document Number	20221938
Deed Book / Page	1313 / 909
Prior Transfer Date	Jul 26, 2021
Prior Transfer Doc	0000002294
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	440 E WATER ST, CLARKESVILLE, GA 30523-5424
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 E WATER ST, CLARKESVILLE, GA 30523-5424

Mortgage

Document Number	0000001278/0000000722
Date	Sep 18, 2021
Book Page	0000001278/0000000722

Lender

Name	PINNACLE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2022

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 26, 2021
Property Address	440 E WATER ST, CLARKESVILLE, GA 30523-5424
Document Number	001278/720
Book / Page	1278 / 720
Instrument Date	Jul 26, 2021
Instrument	2021-002294
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 TROTTER RD, CLARKESVILLE, GA 30523-7112

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Feb 4, 2021
Property Address	440 E WATER ST, CLARKESVILLE, GA 30523-5424
Document Number	001249/520
Book / Page	1249 / 520
Instrument Date	Feb 4, 2021
Instrument	2021-000283
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 845, CLARKESVILLE, GA 30523-0015

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	May 16, 2017
Property Address	440 E WATER ST, CLARKESVILLE, GA 30523-5424
Document Number	001139/642
Book / Page	1139 / 642
Instrument Date	May 16, 2017
Instrument	2017-000912
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 845, CLARKESVILLE, GA 30523-0015

Tax Assessment & Valuation

The 2026 property tax bill for 440 E Water St was $8,338 with a homeowner's exemption, down 4.8% from the year before.

Source: Habersham County assessment roll, as of September 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,338.00 (-4.84%) Homeowner's exemption	$241,033 (-2.02%) Land $38,911 Building $202,122	$602,582 (-2.02%) Land $97,277 Building $505,305
2025	$8,762.00 Homeowner's exemption	$245,997 Land $38,911 Building $207,086	$614,993 Land $97,277 Building $517,716
2023	$5,427.00 (+57.95%)	$209,124 (+57.93%) Land $26,720 Building $182,404	$522,810 (+57.93%) Land $66,800 Building $456,010
2022	$3,436.00	$132,416 Land $26,720 Building $105,696	$331,040 Land $66,800 Building $264,240

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 440 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 5, 2018

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 440 E Water St is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 45% of Georgia
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLARKESVILLE serves 5,785 people · EPA ID GA1370002
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream Cable · DSL · Fiber in parts of the area	1,000 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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