609 Garner St, Buford, GA 30518 Property Records

Gwinnett County property record for 609 Garner St, Buford, GA 30518

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,800 sqft · built 1969
Lot Size	0.462 acres (20,115 sqft)
Owner	2 Individual Names on File
Last Sale	$584,425 (Apr 2022)
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2021 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`7-294D-095`

Property Details

APN / Parcel Number

Primary APN	`7-294D-095`
Alternative APNs	`R7294D-095` `1445965`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,800 sqft Living Area
Gross Area	3,284 sqft
1st Floor Area	640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,115 sqft (0.462 acres)
View / Lot	Primary
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	609 GARNER ST
City	BUFORD
State	GA
Zip	30518-2780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100
Legal Description	LOT 1 GARNER ST 149-1
Legal Lot Number	1
Jurisdiction	GWINNETT GA
Township / Civil Division	BUFORD-SUGAR HILL
Census Block Group	1
Census Block	1024
Census Tract	50111

Owner

609 Garner St is owned and occupied by two individuals who bought it in April 2022.

Source: Gwinnett County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	609 GARNER ST, BUFORD, GA 30518-2780
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
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOAN
Mar 19, 2021	Deed of Trust, Mortgage PEOPLES BANK AND TRUST
Dec 26, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOAN
Mar 25, 2022	Limited Warranty Deed, Transfer · Conventional Mortgage VANDERBILT MORTGAGE
Mar 25, 2022	Limited Warranty Deed, Transfer · Conventional Mortgage VANDERBILT MORTGAGE
Jun 6, 2021	Warranty Deed, Subdivision Related Transfer
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK AND TRUST
Feb 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage DELTA COMMUNITY CU
Dec 2, 2020	Correction Deed, Construction Loan · Construction Mortgage PEOPLES BK
Aug 14, 2020	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK AND TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2022 · Amount on File
Deed Sale	Apr 4, 2022 · Amount on File
Prior Sale	Jun 6, 2021 · Amount on File
Deed Document Number	20229691
Deed Book / Page	59838 / 64
Prior Transfer Date	Jul 28, 2014
Prior Transfer Doc	0530470062
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 GARNER ST, BUFORD, GA 30518-2780

Mortgage

Document Number	0600800537
Date	Jul 13, 2022
Book Page	0000060080/0000000537

Lender

Name	THIRD FEDERAL SAVINGS AND LOAN

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 GARNER ST, BUFORD, GA 30518-2780

Mortgage

Document Number	0585190120
Date	Mar 19, 2021
Book Page	0000058519/0000000120

Lender

Name	PEOPLES BANK AND TRUST

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2022

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 GARNER ST, BUFORD, GA 30518-2780

Mortgage

Document Number	0622600590
Date	Dec 26, 2025
Book Page	0000062260/0000000590

Lender

Name	THIRD FEDERAL SAVINGS AND LOAN

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2055

March 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Mar 25, 2022
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Document Number	0598380064
Book / Page	59838 / 64
Instrument Date	Mar 25, 2022
Instrument	2022-009691
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	609 GARNER ST, BUFORD, GA 30518-2780

Mortgage

Document Number	0598380066
Date	Apr 4, 2022
Book Page	0000059838/0000000066

Lender

Name	VANDERBILT MORTGAGE

Agreement

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

March 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Mar 25, 2022
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Document Number	0598380064
Book / Page	59838 / 64
Instrument Date	Mar 25, 2022
Instrument	2022-009691
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	609 GARNER ST, BUFORD, GA 30518-2780

Mortgage

Document Number	0005983866
Date	Mar 25, 2022
Instrument	59838/66

Lender

Name	VANDERBILT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2052

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Jun 6, 2021
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Document Number	0589260277
Book / Page	58926 / 277
Instrument Date	Jun 6, 2021
Instrument	2021-022563
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount 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	609 GARNER ST, BUFORD, GA 30518-2780

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 GARNER ST, BUFORD, GA 30518-2780

Mortgage

Document Number	0585190000000120
Date	Mar 19, 2021
Book Page	0000058519/0000000120

Lender

Name	PEOPLES BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2022

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GWINNETT GA
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0556930288
Date	Feb 7, 2018
Book Page	55693/288

Lender

Name	DELTA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2038

December 2020: Correction Deed, Construction Loan

Document Type	Correction Deed
Jurisdiction	GWINNETT GA
Recording Date	Dec 2, 2020
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Document Number	0581280546
Book / Page	058128 / 000546
Instrument Date	Dec 2, 2020
Transaction Type	Construction Loan
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 GARNER ST BUFORD GA 305182780, BUFORD, GA 30518-2780

Mortgage

Document Number	581280546
Date	Dec 2, 2020
Book Page	058128/000546

Lender

Name	PEOPLES BK
Type	Bank
Address	BUFORD, GA 30518

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 1, 2021

Interest

Rate	3%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GWINNETT GA
Recording Date	Aug 14, 2020
Property Address	609 GARNER ST, BUFORD, GA 30518-2780
Document Number	0577650846
Book / Page	57765 / 846
Instrument Date	Aug 14, 2020
Instrument	2020-021102
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	PO BOX 69, BUFORD, GA 30515-0069

Mortgage

Document Number	0577650000000848
Date	Aug 14, 2020
Book Page	0000057765/0000000848

Lender

Name	PEOPLES BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 609 Garner St was $3,541.

Source: Gwinnett County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Georgia
Municipality	Buford City
County	Gwinnett County
Unified School District	Buford City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,541.00	$257,400 Land $40,000 Building $217,400	$643,500 Land $100,000 Building $543,500
2023	$2,855.00	$218,760 Land $26,000 Building $192,760
2022			$546,900 Land $65,000 Building $481,900

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

FEMA maps place 609 Garner St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 609 Garner St 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 99.8% of the US · lower than 99.9% 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	BUFORD serves 8,482 people · EPA ID GA1350000
Water Source	Surface water
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	2 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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