445 E Water St, Clarkesville, GA 30523 Property Records

Habersham County property record for 445 E Water St, Clarkesville, GA 30523

Property Summary

Property Type	Residential Vacant Land
Details	2 bd · 2.5 ba · 1,480 sqft · built 2022
Lot Size	0.29 acres (12,632 sqft)
Owner	Company Name on Record
Last Sale	$80,000 (Mar 2026)
Tax Bill	$250 (2026)
Deeds & Mortgages	Mar 2026 Sale Sep 2023 Mortgage + 10 more
Flood Zone	Zone X (minimal risk)
APN	`102 041`

Property Details

APN / Parcel Number

Primary APN	`102 041`
Alternative APNs	`682230` `402479`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,480 sqft Heated Area
Gross Area	3,376 sqft
1st Floor Area	1,480 sqft
Basement Area	1,480 sqft
Unfinished Basement	1,480 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	320 ft deep x 170 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	235 sqft
Deck Area	Deck Area
Patio Area	112 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	402479
Street Address	445 E WATER ST
City	CLARKESVILLE
State	GA
Zip	30523-5419
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R1
Legal Description	12-3 PB 74-54,55 LT 5 DB 1280-105
Legal Lot Number	5
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	2
Census Block	2022
Census Tract	300

Owner

Source: Habersham County records, as of October 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4901 VINELAND RD, ORLANDO, FL 32811-7300
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Warranty Deed, Transfer
Sep 27, 2023	Deed of Trust, Mortgage CADENCE BANK
Sep 27, 2023	Deed of Trust, Mortgage CADENCE BANK
Sep 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK
Aug 15, 2023	Limited Warranty Deed, Transfer
Aug 15, 2023	Limited Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE
Aug 15, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 9, 2023	Warranty Deed, Transfer
Mar 30, 2022	Warranty Deed, Transfer
Mar 30, 2022	Limited Warranty Deed, Transfer
Sep 24, 2021	Warranty Deed, Transfer
Jul 10, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	Jun 20, 2024
Deed Book / Page	1425 / 567
Prior Transfer Date	Jun 13, 2024
Prior Transfer Doc	001368/884
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 6, 2026
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001425/567
Book / Page	1425 / 567
Instrument Date	Mar 3, 2026
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 VINELAND RD # 650RD, ORLANDO, FL 32811-7300

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	GA
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001347/0000000995
Date	Sep 27, 2023
Book Page	0000001347/0000000995

Lender

Name	CADENCE BANK

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2024

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 VILLAGE CIR, SENOIA, GA 30276-3374
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001347/0000000987
Date	Sep 27, 2023
Book Page	0000001347/0000000987

Lender

Name	CADENCE BANK

Agreement

Amount	Amount Recorded
Due	Jan 1, 2023

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001346/0000000204
Date	Sep 5, 2023
Book Page	0000001346/0000000204

Lender

Name	CADENCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Due	Jan 1, 2023

August 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 15, 2023
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001344/179
Book / Page	1344 / 179
Instrument Date	Aug 15, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	GA
Investor	Possibly a Property Investor

August 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 15, 2023
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001344/176
Book / Page	1344 / 176
Instrument Date	Aug 15, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Investor	Possibly a Property Investor

Mortgage

Document Number	0001344182
Date	Aug 15, 2023
Instrument	1344/182

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2053

Mortgage

Document Number	0000001344/0000000170
Date	Aug 15, 2023
Book Page	0000001344/0000000170

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 15, 2023
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001344/210
Book / Page	1344 / 210
Instrument Date	Aug 15, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	GA

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 9, 2023
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001343/901
Book / Page	1343 / 901
Instrument Date	Aug 3, 2023
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 30, 2022
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001300/180
Book / Page	1300 / 180
Instrument Date	Mar 30, 2022
Instrument	2022-000815
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
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	65 ARBOR GARDEN CIR, NEWNAN, GA 30265-6237

March 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Mar 30, 2022
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001300/181
Book / Page	1300 / 181
Instrument Date	Mar 30, 2022
Instrument	2022-000817
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 ARBOR GARDEN CIR, NEWNAN, GA 30265-6237
Investor	Possibly a Property Investor

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Sep 24, 2021
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001280/105
Book / Page	1280 / 105
Instrument Date	Sep 24, 2021
Instrument	2021-002408
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount Recorded
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	374 SEYE WAILO TRL, CLARKESVILLE, GA 30523-2671

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jul 10, 2019
Property Address	445 E WATER ST, CLARKESVILLE, GA 30523-5419
Document Number	001196/743
Book / Page	1196 / 743
Instrument Date	Jul 10, 2019
Instrument	2019-001229
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount Recorded
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	PO BOX 5198, MARIETTA, GA 30061-5198

Tax Assessment & Valuation

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	$250.00 (-53.18%)	$6,960 (-51.28%) Land $6,960	$17,400 (-51.28%) Land $17,400
2025	$534.00 (-85.85%)	$14,285 (-90.18%) Land $12,480 Building $1,805	$35,712 (-90.18%) Land $31,200 Building $4,512
2023	$3,774.00 (+41.19%)	$145,420 (+41.18%) Land $68,720 Building $76,700	$363,550 (+41.18%) Land $171,800 Building $191,750
2022	$2,673.00	$103,000 Land $100,000 Building $3,000	$257,500 Land $250,000 Building $7,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (2004–2020)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2020 · rainfall accumulation

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

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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