4643 Montclair Cir, Gainesville, GA 30506 Property Records

Hall County property record for 4643 Montclair Cir, Gainesville, GA 30506

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,872 sqft · built 2000
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on File
Last Sale	$397,500 (Mar 2019)
Tax Bill	$5,980 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-014A-000-038`

Property Details

APN / Parcel Number

Primary APN	`11-014A-000-038`
Alternative APN	`35627`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,872 sqft Heated Area
1st Floor Area	1,845 sqft
Upper Floors Area	923 sqft
Basement Area	1,845 sqft
Finished Basement	900 sqft
Unfinished Basement	945 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2004
Architectural Style	Rustic
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	65,776 sqft (1.51 acres)
Garage Area	552 sqft
Porch	Slab
Deck Area	334 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	35627
Street Address	4643 MONTCLAIR CIR
City	GAINESVILLE
State	GA
Zip	30506-5133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	MT VERNON MEADOWS LT 38 & PT LT 39
Legal Subdivision	MT VERNON MEADOWS
Legal Lot Number	38,39
Jurisdiction	HALL GA
Township / Civil Division	CLERMONT
Census Block Group	1
Census Block	1017
Census Tract	204

Owner

4643 Montclair Cir is owned and occupied by two individuals who bought it in March 2019.

Source: Hall County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4643 MONTCLAIR CIR, GAINESVILLE, GA 30506-5133
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
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit PEACH STATE BANK AND TRUST
Mar 2, 2020	Deed of Trust, Mortgage · Conventional with PMI ALCOVA MTG
Mar 8, 2019	Grant Deed, Transfer · Conventional with PMI JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2019 · Amount on File
Deed Sale	Mar 8, 2019 · Amount on File
Prior Sale	Sep 18, 2000 · Amount on File
Deed Document Number	20191510
Deed Book / Page	8230 / 22
Prior Transfer Date	Aug 17, 2004
Prior Transfer Doc	0050680044
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL GA
Property Address	4643 MONTCLAIR CIR, GAINESVILLE, GA 30506-5133
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4643 MONTCLAIR CIR, GAINESVILLE, GA 30506-5133

Mortgage

Document Number	0087500000000287
Date	Mar 5, 2021
Book Page	0000008750/0000000287

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL GA
Property Address	4643 MONTCLAIR CIR, GAINESVILLE, GA 30506-5133
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4643 MONTCLAIR CIR, GAINESVILLE, GA 30506-5133

Mortgage

Document Number	0092840000000281
Date	Mar 31, 2023
Book Page	0000009284/0000000281

Lender

Name	PEACH STATE BANK AND TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2033

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALL GA
Property Address	4643 MONTCLAIR CIR, GAINESVILLE, GA 30506-5133
Document Number	0084430021
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4643 MONTCLAIR CIR GAINESVILLE GA 305065133, GAINESVILLE, GA 30506-5133

Mortgage

Document Number	0084430021
Date	Mar 16, 2020
Book Page	008443/000021

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Mar 15, 2040

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HALL GA
Recording Date	Mar 8, 2019
Property Address	4643 MONTCLAIR CIR, GAINESVILLE, GA 30506-5133
Document Number	0082300022
Book / Page	008230 / 000022
Instrument Date	Mar 8, 2019
Transaction Type	Transfer
Record Updated	Apr 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.50
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	4643 MONTCLAIR CIR GAINESVILLE GA 305065133, GAINESVILLE, GA 30506-5133

Mortgage

Document Number	82300024
Date	Mar 8, 2019
Book Page	008230/000024

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4643 Montclair Cir was $5,980 with a homeowner's exemption, up 8.1% from the year before.

Source: Hall County assessment roll, as of October 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,980.00 (+8.1%) Homeowner's exemption	$270,400 (+9.54%) Land $64,520 Building $205,880	$676,000 (+9.54%) Land $161,300 Building $514,700
2025	$5,532.00 Homeowner's exemption	$246,840 Land $64,520 Building $182,320	$617,100 Land $161,300 Building $455,800
2023	$5,951.00 (+19.16%) Homeowner's exemption	$230,400 (+25.41%) Land $66,520 Building $163,880	$576,000 (+25.41%) Land $166,300 Building $409,700
2022	$4,994.00 Homeowner's exemption	$183,720 Land $52,280 Building $131,440	$459,300 Land $130,700 Building $328,600

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 4643 Montclair Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 5, 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
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 4643 Montclair Cir is moderate, ranking above 46% 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 46% of the US · above 51% 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	GAINESVILLE serves 140,000 people · EPA ID GA1390001
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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