520 Saddleback Cir, Dillard, GA 30537 Property Records

Rabun County property record for 520 Saddleback Cir, Dillard, GA 30537

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,048 sqft · built 1981
Lot Size	0.75 acres (32,687 sqft)
Owner	Individual Name on Record
Tax Bill	$2,925 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058A-219`

Property Details

APN / Parcel Number

Primary APN	`058A-219`
Alternative APN	`11065`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Building Area	2,048 sqft Heated Area
1st Floor Area	2,048 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1991
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	32,687 sqft
Garage Area	325 sqft

Exterior Amenities

Porch	Porch
Porch Area	228 sqft
Deck Area	798 sqft
Patio Area	1,944 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	11065
Old Parcel Number	058A 219
Street Address	520 SADDLEBACK CIR
City	DILLARD
State	GA
Zip	30537-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	LOTS 45 & 45A
Legal Subdivision	SOUTHWOODS AREA SKY VLY SUB
Legal Lot Number	45,45A
Jurisdiction	RABUN GA
Township / Civil Division	MOUNTAIN CITY
Census Block Group	1
Census Block	1012
Census Tract	970102

Owner

Source: Rabun County records, as of December 8, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	520 SADDLEBACK CIR # 240, 240, DILLARD, GA 30537-2540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Deed of Trust, Mortgage · Line of Credit ALLEGACY FEDERAL CREDIT UNION
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM VACATION RESORTS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2022
Deed Sale	Jan 12, 2022
Deed Document Number	0000K49283
Deed Book / Page	P43 / 125
Prior Transfer Date	Dec 15, 2016
Prior Transfer Doc	2016-001628
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	520 SADDLEBACK CIR, DILLARD, GA 30537-2540
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 SADDLEBACK CIR, DILLARD, GA 30537-2540
Investor	Possibly a Property Investor

Mortgage

Document Number	000H500000000978
Date	Feb 6, 2023
Book Page	0000000H50/0000000978

Lender

Name	ALLEGACY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RABUN GA
Property Address	520 SADDLEBACK CIR, DILLARD, GA 30537-2540
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 SADDLEBACK CIR, DILLARD, GA 30537-2540

Mortgage

Document Number	000K490000000286
Date	Jan 12, 2022
Book Page	0000000K49/0000000286

Lender

Name	WYNDHAM VACATION RESORTS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Rabun County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Rabun County
Municipality	Sky Valley City
Unified School District	Rabun County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,925.00 (+8.74%)	$105,910 (+23.2%) Land $20,000 Building $85,910	$264,775 (+23.2%) Land $50,000 Building $214,775
2023	$2,690.00 (-4.03%)	$85,964 (+9.5%) Land $16,000 Building $69,964	$214,909 (+9.5%) Land $40,000 Building $174,909
2022	$2,803.00	$78,508 Land $14,000 Building $64,508	$196,270 Land $35,000 Building $161,270

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.07% 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	SKY VALLEY serves 1,820 people · EPA ID GA2410053
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Cable	500 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20

Cell Coverage

4G LTE only, no 5G reported

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