686 Watson Reef, Stone Mountain, GA 30087 Property Records

DeKalb County property record for 686 Watson Reef, Stone Mountain, GA 30087

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,136 sqft · built 1988
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,000 (May 2026)
Tax Bill	$3,262 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`16-192-02-031`

Property Details

APN / Parcel Number

Primary APN	`16-192-02-031`
Alternative APN	`2261242`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,136 sqft Living Area
1st Floor Area	1,150 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	10,019 sqft (0.23 acres)
Garage Area	420 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	686 WATSON REEF
City	STONE MOUNTAIN
State	GA
Zip	30087-6116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCD
Legal Description	100 X 110 X 100 X 110 . . . . . .. . .0.25AC 10-27-87 FOREST COVE AT WATERS EDGE BLOCK A LOT 48
Legal Subdivision	FOREST COVE/WATERS EDGE
Legal Block	3
Legal Lot Number	48
Jurisdiction	DE KALB GA
Township / Civil Division	LITHONIA
Census Block Group	3
Census Block	3008
Census Tract	23325

Owner

Source: DeKalb County records, as of October 1, 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	686 WATSON REEF, STONE MOUNTAIN, GA 30087-6116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Limited Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE LENDING
Jan 6, 2026	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Prior Sale	Jan 6, 2026 · Amount on Record
Deed Document Number	202642
Deed Book / Page	32581 / 115
Record Updated	Oct 29, 2026

May 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	DE KALB GA
Recording Date	May 7, 2026
Property Address	686 WATSON REEF, STONE MOUNTAIN, GA 30087-6116
Document Number	0000000042
Book / Page	32581 / 115
Instrument Date	May 7, 2026
Instrument	202642
Transaction Type	Transfer
Record Updated	Sep 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 WATSON REEF, STONE MOUNTAIN, GA 30087-6116

Mortgage

Document Number	0000000043,
Date	May 7, 2026
Book Page	32581/118
Instrument	202643

Lender

Name	UNITED WHOLESALE LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2051

Interest

Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB GA
Recording Date	Jan 6, 2026
Property Address	686 WATSON REEF, STONE MOUNTAIN, GA 30087-6116
Document Number	0323740357
Book / Page	32374 / 357
Instrument Date	Jan 6, 2026
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
Tax	$2.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1295 W WASHINGTON ST # 115ST, TEMPE, AZ 85288-1232
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of October 15, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,262.00 (+11.67%)	$115,440 (-7.68%) Land $13,400 Building $102,040	$288,600 (-7.68%) Land $33,500 Building $255,100
2023	$2,921.00 Homeowner's exemption	$125,040 (+24.94%) Land $18,000 Building $107,040	$312,600 (+24.94%) Land $45,000 Building $267,600
2022	$2,921.00	$100,080 Land $7,040 Building $93,040	$250,200 Land $17,600 Building $232,600

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 September 25, 2025 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 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	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.02% 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	DEKALB COUNTY serves 743,000 people · EPA ID GA0890001
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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, 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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