630 Saddle Cir, Waycross, GA 31503 Property Records

Ware County property record for 630 Saddle Cir, Waycross, GA 31503

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Dec 2025)
Tax Bill	$227 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`054M-05-006`

Property Details

APN / Parcel Number

Primary APN	`054M-05-006`
Alternative APN	`25009`

Exterior

Lot Area	24,829 sqft (0.57 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	25009
Street Address	630 SADDLE CIR
City	WAYCROSS
State	GA
Zip	31503-7930
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	001
Legal Description	SADDLE CIR 630 L6 LL162/8
Legal Subdivision	CENTRAL ESTATES
Legal Phase	4
Legal Lot Number	6
Jurisdiction	WARE GA
Township / Civil Division	WAYCROSS
Census Block Group	2
Census Block	2001
Census Tract	950600

Owner

Source: Ware County records, as of October 5, 2026

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	630 SADDLE CIR, WAYCROSS, GA 31503-7930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC.
Sep 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage WAYCROSS BANK AND TRUST
Feb 28, 2025	Deed of Trust, Mortgage · Commercial Mortgage PRIMESOUTH BANK
Dec 1, 2025	Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO
Aug 11, 2022	Warranty Deed, Transfer
Mar 24, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2025 · Amount on Record
Deed Sale	Dec 1, 2025 · Amount on Record
Prior Sale	Aug 11, 2022 · Amount on Record
Deed Book / Page	93S / 45
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Recording Date	Sep 2, 2026
Property Address	630 SADDLE CIR, WAYCROSS, GA 31503-7930
Document Number	0095000046
Book / Page	95W / 46
Instrument Date	Aug 25, 2026
Transaction Type	Mortgage
Record Updated	Oct 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 SADDLE CIR, WAYCROSS, GA 31503-7930

Mortgage

Document Number	0095000046,
Date	Sep 2, 2026
Book Page	95W/46

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO LLC.

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Property Address	630 SADDLE CIR, WAYCROSS, GA 31503-7930
Transaction Type	Mortgage
Record Updated	Jan 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	SADDLE CIR

Mortgage

Document Number	00088D0000000040
Date	Sep 11, 2023
Book Page	000000088D/0000000040

Lender

Name	WAYCROSS BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2024

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE GA
Property Address	630 SADDLE CIR, WAYCROSS, GA 31503-7930
Transaction Type	Mortgage
Record Updated	Jan 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 SADDLE CIR, WAYCROSS, GA 31503-7930

Mortgage

Document Number	00091S0000000278
Date	Feb 28, 2025
Book Page	000000091S/0000000278

Lender

Name	PRIMESOUTH BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2026

December 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WARE GA
Recording Date	Dec 1, 2025
Property Address	630 SADDLE CIR, WAYCROSS, GA 31503-7930
Document Number	00093S0045
Book / Page	93S / 45
Instrument Date	Nov 26, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4.15
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 SADDLE CIR, WAYCROSS, GA 31503-7930
Investor	Possibly a Property Investor

Mortgage

Document Number	0000093S46
Date	Dec 1, 2025
Instrument	93S/46

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARE GA
Recording Date	Aug 11, 2022
Property Address	852 SADDLE CIR, WAYCROSS, GA 31503-8505
Document Number	00085J0062
Book / Page	85J / 62
Instrument Date	Aug 11, 2022
Instrument	2022-001244
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3138 BIRCHWOOD DR, WAYCROSS, GA 31503-4110

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARE GA
Recording Date	Mar 24, 2022
Property Address	852 SADDLE CIR, WAYCROSS, GA 31503-8505
Document Number	00084E0129
Book / Page	84E / 129
Instrument Date	Mar 24, 2022
Instrument	2022-000461
Transaction Type	Transfer
Record Updated	Apr 18, 2022

Transaction

Amount	Amount Recorded
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	967 HITCHING POST LN, WAYCROSS, GA 31503-9488

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$227.00 (+14.07%)	$9,000 (-) Land $9,000	$22,500 (-) Land $22,500
2024	$199.00 (-20.08%)	$9,000 (+4.35%) Land $9,000	$22,500 (+4.35%) Land $22,500
2023	$249.00	$8,625 (-) Land $8,625	$21,563 (-) Land $21,563
2022	$249.00	$8,625 Land $8,625	$21,563 Land $21,563

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Nov 2024 · other causes

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 67% of the US · lower than 91% of Georgia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SATILLA REGIONAL WATER & SEWER AUTH-EAST serves 3,654 people · EPA ID GA2990051
Water Source	Groundwater
Last State Inspection	Oct 2025
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	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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Vyve Broadband Cable	2,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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