655 River Ridge Rd, Clarkesville, GA 30523 Property Records

Habersham County property record for 655 River Ridge Rd, Clarkesville, GA 30523

Property Summary

Property Type	Seasonal / Vacation Home
Details	6 bd · 4.5 ba · 3,285 sqft · built 1996
Lot Size	2.16 acres (94,090 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Jul 2025)
Tax Bill	$7,600 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006 013`

Property Details

APN / Parcel Number

Primary APN	`006 013`
Alternative APNs	`650612` `372322`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,285 sqft Heated Area
Gross Area	6,824 sqft
1st Floor Area	2,190 sqft
Upper Floors Area	800 sqft
Attic	Attic
Attic Area	800 sqft
Basement Area	2,464 sqft
Finished Basement	2,464 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	94,090 sqft (2.16 acres)
Lot Width	180 ft Width
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	736 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	372322
Street Address	655 RIVER RIDGE RD
City	CLARKESVILLE
State	GA
Zip	30523-3562
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	LI
Legal Description	CHATT GLEN LT 6 BLK A 1402-80
Legal Subdivision	CHATTAHOOCHEE GLEN
Legal Block	A
Legal Lot Number	6
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	2
Census Block	2000
Census Tract	201

Owner

Source: Habersham County records, as of September 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11520 OSPREY POINTE BLVD, CLERMONT, FL 34711-7681
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2018	Deed of Trust, Mortgage · VA Mortgage THE FSB
Sep 1, 2017	Deed of Trust, Mortgage · VA Mortgage POLARIS HOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Apr 25, 2005 · Amount on Record
Deed Book / Page	1402 / 80
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	655 RIVER RIDGE RD, CLARKESVILLE, GA 30523-3562
Transaction Type	Mortgage
Record Updated	Feb 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0001157433
Date	Jan 17, 2018
Book Page	1157/433

Lender

Name	THE FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	655 RIVER RIDGE RD, CLARKESVILLE, GA 30523-3562
Transaction Type	Mortgage
Record Updated	Oct 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0001147522
Date	Sep 1, 2017
Book Page	1147/522

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Habersham County assessment roll, as of September 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,600.00	$333,385 (+29.13%) Land $47,689 Building $285,696	$833,463 (+29.13%) Land $119,222 Building $714,241
2023	Homeowner's exemption Senior Citizen's exemption	$258,180 (+14.1%) Land $41,904 Building $216,276	$645,450 (+14.1%) Land $104,760 Building $540,690
2022	Homeowner's exemption Senior Citizen's exemption	$226,272 Land $41,068 Building $185,204	$565,680 Land $102,670 Building $463,010

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

Source: FEMA National Flood Hazard Layer, effective January 5, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Moderate above 57% of the US · above 86% of Georgia
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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