5204 Garrard Ave, Savannah, GA 31405 Property Records

Chatham County property record for 5204 Garrard Ave, Savannah, GA 31405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,099 sqft · built 1993
Lot Size	0.379 acres (16,501 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jan 2026 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`1-0789-03-011`

Property Details

APN / Parcel Number

Primary APN	`1-0789-03-011`
Alternative APN	`J160Z361`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,099 sqft Living Area
1st Floor Area	2,099 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,501 sqft (0.379 acres)
Lot Dimensions	110 ft deep x 150 ft wide
Garage Type	Mixed
Garage Area	572 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,091 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	5204 GARRARD AVE
City	SAVANNAH
State	GA
Zip	31405-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOTS 7 & 8 BRANDLEWOOD SUB PHAS E 1 SMB 13S 15 .376 AC
Legal Subdivision	BRANDLEWOOD SUB
Legal Phase	1
Legal Lot Number	7-8
Jurisdiction	CHATHAM GA
Township / Civil Division	SAVANNAH
Census Block Group	2
Census Block	2011
Census Tract	10502

Owner

Source: Chatham County records, as of October 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5204 GARRARD AVE, SAVANNAH, GA 31405-2714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER
Jan 15, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 23, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026
Deed Sale	Jan 15, 2026
Prior Sale	Sep 23, 2025 · Amount on Record
Deed Book / Page	3881 / 548
Prior Transfer Date	Jan 12, 2026
Prior Transfer Doc	0038810548
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	5204 GARRARD AVE, SAVANNAH, GA 31405-2714
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009890493
Date	Jan 17, 2017
Book Page	0989/493
Instrument	30168190014

Lender

Name	MORTGAGE RESEARCH CENTER
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM GA
Recording Date	Jan 15, 2026
Property Address	5204 GARRARD AVE, SAVANNAH, GA 31405-2714
Document Number	0038810548
Book / Page	3881 / 548
Instrument Date	Jan 12, 2026
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5204 GARRARD AVE, SAVANNAH, GA 31405-2714
Investor	Possibly a Property Investor

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Sep 23, 2025
Property Address	5204 GARRARD AVE, SAVANNAH, GA 31405-2714
Document Number	0037820742
Book / Page	3782 / 742
Instrument Date	Sep 22, 2025
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	5204 GARRARD AVE, SAVANNAH, GA 31405-2714

Mortgage

Document Number	0003782744
Date	Sep 23, 2025
Instrument	3782/744

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

Source: Chatham County assessment roll, as of October 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$128,840 (+25.23%) Land $24,000 Building $104,840	$322,100 (+25.23%) Land $60,000 Building $262,100
2025	$3,782.00	$102,880 (+24.01%) Land $16,000 Building $86,880	$257,200 (+24.01%) Land $40,000 Building $217,200
2023		$82,960 (+9.74%) Land $8,000 Building $74,960	$207,400 (+9.74%) Land $20,000 Building $187,400
2022		$75,600 Land $8,000 Building $67,600	$189,000 Land $20,000 Building $169,000

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

Source: FEMA National Flood Hazard Layer, effective October 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	23 (1994–2022)
Claims Outside the SFHA	13 of 23
Most Recent Claim	Dec 2022 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims Heavy Rains, Tornados, Flooding, High Winds, Oct 1994 · 8 claims

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	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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	SAVANNAH-MAIN serves 168,958 people · EPA ID GA0510003
Water Source	Groundwater
Last State Inspection	May 2024
Lead	4 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Seimitsu.

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