DeKalb County property record for 495 Breakwater Ter, Stone Mountain, GA 30087
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 5,341 sqft · built 1988 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $5,342 (2025) |
| Deeds & Mortgages | Sep 2026 Sale May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-030-02-053 |
| Primary APN | 18-030-02-053 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 5,341 sqft Living Area |
| Gross Area | 6,025 sqft |
| 1st Floor Area | 2,020 sqft |
| Basement Area | 1,982 sqft |
| Finished Basement | 1,982 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Screened Porch |
| Patio Area | 852 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 495 BREAKWATER TER |
|---|---|
| City | STONE MOUNTAIN |
| State | GA |
| Zip | 30087-5303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RCD |
| Legal Description | 46 X 30 X 146 X 103 X 139 . . . . . . . . . . . . 0.28 AC WATERS EDGE UNIT ONE BLOCK B LOT 28 |
| Legal Subdivision | WATER S EDGE |
| Legal Block | 3 |
| Legal Lot Number | 28 |
| Jurisdiction | DE KALB GA |
| Township / Civil Division | LITHONIA |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 23325 |
495 Breakwater Ter is owner-occupied and held in a trust since September 2026.
Source: DeKalb County records, as of October 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 495 BREAKWATER TER, STONE MOUNTAIN, GA 30087-5303 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 18, 2026 | Warranty Deed, Transfer |
| May 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 14, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2026 |
| Deed Sale | Sep 18, 2026 |
| Prior Sale | Jan 9, 2007 · Amount on File |
| Deed Document Number | 202695240 |
| Deed Book / Page | 32804 / 232 |
| Prior Transfer Date | Jan 30, 2004 |
| Prior Transfer Doc | 0159060699 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DE KALB GA |
| Recording Date | Sep 18, 2026 |
| Property Address | 495 BREAKWATER TER, STONE MOUNTAIN, GA 30087-5303 |
| Document Number | 0000095240 |
| Book / Page | 32804 / 232 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202695240 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 495 BREAKWATER TER, STONE MOUNTAIN, GA 30087-5303 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB GA |
| Property Address | 495 BREAKWATER TER, STONE MOUNTAIN, GA 30087-5303 |
| Document Number | 0284830468 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 495 BREAKWATER TER STONE MOUNTAIN GA 300875303, STONE MOUNTAIN, GA 30087-5303 |
| Document Number | 0284830468 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 028483/000468 |
| Instrument | 104383 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 20, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB GA |
| Property Address | 495 BREAKWATER TER, STONE MOUNTAIN, GA 30087-5303 |
| Document Number | 0274590107 |
| Instrument Date | Mar 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 495 BREAKWATER TER STONE MOUNTAIN GA 300875303, STONE MOUNTAIN, GA 30087-5303 |
| Document Number | 0274590107 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 027459/000107 |
| Instrument | 52722 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 27, 2034 |
The 2025 property tax bill for 495 Breakwater Ter was $5,342 with a homeowner's exemption.
Source: DeKalb County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | DeKalb County |
| Unified School District | DeKalb County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,342.00 Homeowner's exemption | $172,800 Land $18,000 Building $154,800 | $432,000 Land $45,000 Building $387,000 |
| 2023 | $4,931.00 (-5.03%) Homeowner's exemption | $171,200 (+9.13%) Land $20,400 Building $150,800 | $428,000 (+9.13%) Land $51,000 Building $377,000 |
| 2022 | $5,192.00 | $156,880 Land $20,400 Building $136,480 | $392,200 Land $51,000 Building $341,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 495 Breakwater Ter in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 25, 2025 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 7 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 risk around 495 Breakwater Ter is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.6% of Georgia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEKALB COUNTY serves 743,000 people · EPA ID GA0890001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 183 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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