Chatham County property record for 651 E 38th St, Savannah, GA 31401
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 5 bd · 5 ba · 2,663 sqft · built 1930 |
| Lot Size | 0.136 acres (5,942 sqft) |
| Owner | Individual Name on File |
| Last Sale | $580,000 (Mar 2023) |
| Tax Bill | $7,469 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Mar 2023 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-0075-03-013 |
| Primary APN | 2-0075-03-013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,663 sqft Living Area |
| 1st Floor Area | 1,442 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Multi-Family |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,942 sqft (0.136 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 60 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 651 E 38TH ST |
|---|---|
| City | SAVANNAH |
| State | GA |
| Zip | 31401-9261 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | R4 |
| Legal Description | LTS 162 164 GLATIGNY WD |
| Legal Subdivision | MIDTOWN |
| Legal Lot Number | 162,164 |
| Jurisdiction | CHATHAM GA |
| Township / Civil Division | SAVANNAH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 2600 |
Source: Chatham County records · APN 2-0075-03-013
Assessment roll updated September 15, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 407 E HULL ST, SAVANNAH, GA 31401-4057 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 03, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| Mar 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Mar 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Dec 29, 2021 | Warranty Deed, Transfer |
| Sep 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK |
| Jun 26, 2018 | Warranty Deed, Transfer |
| Jan 26, 2018 | Warranty Deed, Transfer · Commercial Mortgage ATLANTA PRIVATE LENDING |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 29, 2023 · Amount on Record |
| Deed Sale | Mar 29, 2023 · Amount on Record |
| Prior Sale | Sep 16, 2021 · Amount on Record |
| Deed Document Number | 20232636 |
| Deed Book / Page | 3055 / 331 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM GA |
| Property Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Document Number | 0020510001 |
|---|---|
| Date | Sep 03, 2020 |
| Book Page | 0000002051/0000000001 |
| Instrument | 032549690020 |
| Name | FREEDOM MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHATHAM GA |
| Recording Date | Mar 22, 2023 |
| Property Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Document Number | 0030550331 |
| Book / Page | 3055 / 331 |
| Instrument Date | Mar 22, 2023 |
| Instrument | 2023-002636 |
| Transaction Type | Transfer |
| Record Updated | Sep 05, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 E HULL ST, SAVANNAH, GA 31401-4057 |
| Document Number | 0003055333 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 3055/333 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHATHAM GA |
| Recording Date | Mar 22, 2023 |
| Property Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Document Number | 0030550331 |
| Book / Page | 3055 / 331 |
| Instrument Date | Mar 22, 2023 |
| Instrument | 2023-002636 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 E HULL ST, SAVANNAH, GA 31401-4057 |
| Document Number | 0003055333 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 3055/333 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHATHAM GA |
| Recording Date | Dec 29, 2021 |
| Property Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Document Number | 0026640708 |
| Book / Page | 2664 / 708 |
| Instrument Date | Dec 29, 2021 |
| Instrument | 2021-016917 |
| Transaction Type | Transfer |
| Record Updated | Sep 05, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1701 KALORAMA RD NW APT 204, 204, WASHINGTON, DC 20009-3507 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHATHAM GA |
| Recording Date | Sep 16, 2021 |
| Property Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Document Number | 0025370403 |
| Book / Page | 2537 / 403 |
| Instrument Date | Sep 16, 2021 |
| Instrument | 2021-012160 |
| Transaction Type | Transfer |
| Record Updated | Sep 05, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 WILLOW OAK DR SW, ROANOKE, VA 24014-3113 |
| Document Number | 0025370406 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 0000002537/0000000406 |
| Name | GATEWAY FIRST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHATHAM GA |
| Recording Date | Jun 26, 2018 |
| Property Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Document Number | 0013970793 |
| Book / Page | 1397 / 793 |
| Instrument Date | Jun 26, 2018 |
| Instrument | 2018-006783 |
| Transaction Type | Transfer |
| Record Updated | Sep 05, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHATHAM GA |
| Recording Date | Jan 26, 2018 |
| Property Address | 651 E 38TH ST, SAVANNAH, GA 31401-9261 |
| Document Number | 0012730063 |
| Book / Page | 1273 / 063 |
| Instrument Date | Jan 26, 2018 |
| Instrument | 2018-000681 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 605 LEE BLVD, SAVANNAH, GA 31405-5449 |
| Document Number | 0012730065 |
|---|---|
| Date | Feb 02, 2018 |
| Book Page | 1273/065 |
| Instrument | 30840690012 |
| Name | ATLANTA PRIVATE LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Feb 01, 2021 |
Source: Chatham County records · Assessment roll updated September 15, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Chatham County |
| Municipality | Savannah City |
| Unified School District | Chatham County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,469.00 (+4.89%) | $259,440 (+21.14%) Land $34,000 Building $225,440 | $648,600 (+21.14%) Land $85,000 Building $563,600 |
| 2023 | $214,160 (+24.51%) Land $20,000 Building $194,160 | $535,400 (+24.51%) Land $50,000 Building $485,400 | |
| 2022 | $7,121.00 | $172,000 Land $18,200 Building $153,800 | $430,000 Land $45,500 Building $384,500 |
Source: FEMA National Flood Hazard Layer as of October 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (1999–2016) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Delta Communications, Hotwire Communications, Verizon.
Based on FCC filings for 872 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SAVANNAH-MAIN serves 168,958 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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