644 River Rock Cir, Jefferson, GA 30549 Property Records

Jackson County property record for 644 River Rock Cir, Jefferson, GA 30549

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,220 sqft · built 2018
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on File
Last Sale	$208,415 (May 2018)
Tax Bill	$4,215 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082H 033`

Property Details

APN / Parcel Number

Primary APN	`082H 033`
Alternative APN	`28590`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,220 sqft Heated Area
1st Floor Area	1,920 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	25,700 sqft (0.59 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Slab
Porch Area	156 sqft
Patio Area	75 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	28590
Street Address	644 RIVER ROCK CIR
City	JEFFERSON
State	GA
Zip	30549-6988
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 33 MILLSTONE CROSSING S/D
Legal Subdivision	MILLSTONE CROSSING
Legal Lot Number	33
Jurisdiction	JACKSON GA
Township / Civil Division	JEFFERSON
Census Block Group	1
Census Block	1005
Census Tract	10705

Owner

644 River Rock Cir is owned and occupied by an individual who bought it in May 2018.

Source: Jackson County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	644 RIVER ROCK CIR, JEFFERSON, GA 30549-6988
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
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
May 24, 2018	Grant Deed, Subdivision Related Transfer FREEDOM MTG
Jan 13, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2018 · Amount on File
Deed Sale	May 21, 2018 · Amount on File
Prior Sale	Jan 11, 2017 · Amount on File
Deed Document Number	20181828
Deed Book / Page	80V / 346
Prior Transfer Date	May 24, 2005
Prior Transfer Doc	00039A0483
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Recording Date	Aug 3, 2026
Property Address	644 RIVER ROCK CIR, JEFFERSON, GA 30549-6988
Document Number	0121000039
Book / Page	121J / 39
Instrument Date	Jul 29, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 RIVER ROCK CIR, JEFFERSON, GA 30549-6988

Mortgage

Document Number	0121000039,
Date	Aug 3, 2026
Book Page	121J/39

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	May 24, 2018
Property Address	644 RIVER ROCK CIR, JEFFERSON, GA 30549-6988
Document Number	00080V0346
Book / Page	00080V / 000346
Instrument Date	May 21, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	RIVER ROCK CIR JEFFERSON GA 30549, JEFFERSON, GA 30549

Mortgage

Document Number	80V0347
Date	May 24, 2018
Book Page	00080V/000347

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 23, 2048

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON GA
Recording Date	Jan 13, 2017
Property Address	644 RIVER ROCK CIR, JEFFERSON, GA 30549-6988
Document Number	00075V0228
Book / Page	00075V / 000228
Instrument Date	Jan 11, 2017
Transaction Type	Transfer
Record Updated	Feb 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$252.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 644 River Rock Cir was $4,215 with a homeowner's exemption, up 0.7% from the year before.

Source: Jackson County assessment roll, as of February 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,280 (-) Land $24,000 Building $136,280	$400,700 (-) Land $60,000 Building $340,700
2025	$4,215.00 (+0.67%) Homeowner's exemption	$160,280 (-) Land $24,000 Building $136,280	$400,700 (-) Land $60,000 Building $340,700
2024	$4,187.00 (+10.24%) Homeowner's exemption	$160,280 (+11.46%) Land $24,000 Building $136,280	$400,700 (+11.46%) Land $60,000 Building $340,700
2023	$3,798.00 (+8.08%)	$143,800 (+21.74%) Land $24,000 Building $119,800	$359,500 (+21.74%) Land $60,000 Building $299,500
2022	$3,514.00	$118,120 Land $24,000 Building $94,120	$295,300 Land $60,000 Building $235,300

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

Flood

FEMA maps place 644 River Rock Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 14, 2018

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 644 River Rock Cir is low, with a 0.03% annual chance of 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	JEFFERSON serves 12,690 people · EPA ID GA1570003
Water Source	Surface water
Last State Inspection	Oct 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	100 / 20

May also be available: Point Broadband, TruVista Communications.

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