523 E 45th St, Savannah, GA 31405 Property Records

Chatham County property record for 523 E 45th St, Savannah, GA 31405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,166 sqft · built 1930
Lot Size	0.145 acres (6,299 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,500 (Nov 2010)
Tax Bill	$4,932 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-0076-21-006`

Property Details

APN / Parcel Number

Primary APN	`2-0076-21-006`
Alternative APN	`W208I273`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,166 sqft Living Area
1st Floor Area	1,183 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1985
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,299 sqft (0.145 acres)
Lot Dimensions	105 ft deep x 60 ft wide
Garage Area	399 sqft
Porch	Slab
Porch Area	330 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	523 E 45TH ST
City	SAVANNAH
State	GA
Zip	31405-2330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	LOTS 145 AND 146 GRANGER WARD
Legal Subdivision	ARDSLEY PARK
Legal Lot Number	145
Jurisdiction	CHATHAM GA
Township / Civil Division	SAVANNAH
Census Block Group	2
Census Block	2005
Census Tract	3000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ardsley Park-Chatham Crescent Historic District listed 1985 · 998 contributing resources · NRIS 85001787

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	523 E 45TH ST, SAVANNAH, GA 31405-2330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CREDIT UNION
May 20, 2022	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CREDIT UNION
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2010 · Amount on Record
Deed Sale	Nov 17, 2010 · Amount on Record
Deed Document Number	201010374
Deed Book / Page	365R / 453
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	523 E 45TH ST, SAVANNAH, GA 31405-2330
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 E 45TH ST, SAVANNAH, GA 31405-2330

Mortgage

Document Number	0020610598
Date	Sep 14, 2020
Book Page	0000002061/0000000598

Lender

Name	FIRST TECHNOLOGY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2045

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	523 E 45TH ST, SAVANNAH, GA 31405-2330
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 E 45TH ST, SAVANNAH, GA 31405-2330

Mortgage

Document Number	0028090173
Date	May 20, 2022
Book Page	0000002809/0000000173

Lender

Name	FIRST TECHNOLOGY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2047

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	523 E 45TH ST, SAVANNAH, GA 31405-2330
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 E 45TH ST, SAVANNAH, GA 31405-2330

Mortgage

Document Number	0000002371/0000000591
Date	May 18, 2021
Book Page	0000002371/0000000591

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$300,080 (+0.4%) Land $64,000 Building $236,080	$750,200 (+0.4%) Land $160,000 Building $590,200
2025	$4,932.00 (-26.4%) Homeowner's exemption	$298,880 (+21.71%) Land $64,000 Building $234,880	$747,200 (+21.71%) Land $160,000 Building $587,200
2023		$245,560 (+14.98%) Land $64,800 Building $180,760	$613,900 (+14.98%) Land $162,000 Building $451,900
2022	$6,701.00	$213,560 Land $20,000 Building $193,560	$533,900 Land $50,000 Building $483,900

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 October 14, 2025 · 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
Flood Insurance Cost	Premium on Record median of 87 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	87 in force
Nearby Flood Claims	215 (1979–2024)
Claims Outside the SFHA	209 of 215
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Heavy Rains, Tornados, Flooding, High Winds, Oct 1994 · 35 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 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.

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 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave, Hotwire Communications, LiveOak Fiber.

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