515 Summit St, Waycross, GA 31501 Property Records

Ware County property record for 515 Summit St, Waycross, GA 31501

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,682 sqft · built 1982
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$82,400 (Sep 2016)
Tax Bill	$620 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`WA14-06-004`

Property Details

APN / Parcel Number

Primary APN	`WA14-06-004`
Alternative APN	`13024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,682 sqft Heated Area
1st Floor Area	1,682 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	111 ft deep x 123 ft wide

Exterior Amenities

Porch	Patio
Porch Area	196 sqft
Patio Area	140 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	13024
Street Address	515 SUMMIT ST
City	WAYCROSS
State	GA
Zip	31501-7057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	005
Legal Description	SUMMIT ST 515 BA L4,LPT3 LL157/8
Legal Subdivision	WAYCROSS NORTHEAST
Legal Block	A
Legal Lot Number	4 ,3
Jurisdiction	WARE GA
Township / Civil Division	WAYCROSS
Census Block Group	5
Census Block	5012
Census Tract	950500

Owner

515 Summit St is owned and occupied by two individuals who bought it in September 2016.

Source: Ware County records, as of June 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057
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
Apr 24, 2026	Deed of Trust, Mortgage · USDA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Jul 22, 2022	Deed of Trust, Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Dec 8, 2022	Deed of Trust, Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Nov 13, 2024	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Oct 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Nov 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2016 · Amount on File
Deed Sale	Sep 12, 2016 · Amount on File
Prior Sale	Jan 7, 2016 · Amount on File
Deed Document Number	20161053
Deed Book / Page	71N / 74
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Recording Date	Apr 24, 2026
Property Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057
Document Number	00094S0000000273
Book / Page	94S / 273
Instrument Date	Mar 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057

Mortgage

Document Number	0094000273,
Date	Apr 24, 2026
Book Page	94S/273

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2046

Interest

Rate	6.09%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Property Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057

Mortgage

Document Number	00085F0000000133
Date	Jul 22, 2022
Book Page	000000085F/0000000133

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Amount	Amount on Record
Term	288 Months
Due	Jan 1, 2046

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Property Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057

Mortgage

Document Number	00086E0000000278
Date	Dec 8, 2022
Book Page	000000086E/0000000278

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Amount	Amount on Record
Term	288 Months
Due	Jan 1, 2046

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Property Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057

Mortgage

Document Number	00091C0000000022
Date	Nov 13, 2024
Book Page	000000091C/0000000022

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	264 Months
Due	Jan 1, 2046

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Property Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057

Mortgage

Document Number	00088L0000000042
Date	Oct 18, 2023
Book Page	000000088L/0000000042

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	276 Months
Due	Jan 1, 2046

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Property Address	515 SUMMIT ST, WAYCROSS, GA 31501-7057
Document Number	00080U0264
Instrument Date	Nov 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SUMMIT ST WAYCROSS GA 315017057, WAYCROSS, GA 31501-7057

Mortgage

Document Number	00080U0264
Date	Dec 29, 2020
Book Page	00080U/000264

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 28, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 515 Summit St was $620 with exemptions applied, down 2.1% from the year before.

Source: Ware County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Ware County
Municipality	Waycross City
Unified School District	Ware County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$620.00 (-2.05%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$70,263 (+18.29%) Land $2,790 Building $67,473	$175,658 (+18.29%) Land $6,975 Building $168,683
2024	$633.00 (+722.08%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$59,397 (+37.92%) Land $2,790 Building $56,607	$148,493 (+37.92%) Land $6,975 Building $141,518
2023	$77.00 (-89.36%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$43,066 (-) Land $1,975 Building $41,091	$107,664 (-) Land $4,937 Building $102,727
2022	$724.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$43,066 Land $1,975 Building $41,091	$107,664 Land $4,937 Building $102,727

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 515 Summit 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 September 25, 2009 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	7 (1979–2018)
Most Recent Claim	Dec 2018 · 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

Wildfire risk around 515 Summit St 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 66% of the US · lower than 89% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	WAYCROSS serves 15,987 people · EPA ID GA2990002
Water Source	Groundwater
Last State Inspection	May 2024
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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50

May also be available: ATC Broadband, Verizon.

Nearby Properties on Summit St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures