76 Saddle Trl, Jefferson, GA 30549 Property Records

Jackson County property record for 76 Saddle Trl, Jefferson, GA 30549

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,742 sqft · built 2007
Lot Size	2.09 acres (91,040 sqft)
Owner	2 Individual Names on File
Last Sale	$37,000 (Sep 2002)
Tax Bill	$6,612 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`106 008Y`

Property Details

APN / Parcel Number

Primary APN	`106 008Y`
Alternative APN	`18094`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,742 sqft Heated Area
1st Floor Area	3,742 sqft
Basement Area	3,742 sqft
Unfinished Basement	3,742 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	91,040 sqft (2.09 acres)
Garage Type	Attached
Garage Area	929 sqft
Porch	Slab
Porch Area	56 sqft
Patio Area	457 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	18094
Street Address	76 SADDLE TRL
City	JEFFERSON
State	GA
Zip	30549-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	001
Legal Description	LOT 19 GUM SPRINGS ESTATES SUBD
Legal Subdivision	GUM SPRINGS
Legal Lot Number	19
Jurisdiction	JACKSON GA
Township / Civil Division	WEST JACKSON
Census Block Group	3
Census Block	3016
Census Tract	10107

Owner

76 Saddle Trl is owned and occupied by two individuals who bought it in September 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	76 SADDLE TRL, JEFFERSON, GA 30549-4404
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
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage YVONEE K Y K CHAU
Jan 27, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 20, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF OZARK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2002 · Amount on File
Deed Sale	Sep 20, 2002 · Amount on File
Prior Sale	Mar 16, 1998 · Amount on File
Deed Book / Page	27S / 519
Transfer Doc	00054R0169
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	76 SADDLE TRL, JEFFERSON, GA 30549-4404
Document Number	00089B0501
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	76 SADDLE TRL JEFFERSON GA 305494404, JEFFERSON, GA 30549-4404

Mortgage

Document Number	00089B0501
Date	Apr 20, 2020
Book Page	00089B/000501

Lender

Name	YVONEE K Y K CHAU
Address	230 PROSPECT PL, ALPHARETTA, GA 30005-5454

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON GA
Recording Date	Jan 27, 2020
Property Address	76 SADDLE TRL, JEFFERSON, GA 30549-4404
Document Number	00087V0029
Book / Page	00087V / 000029
Instrument Date	Jan 25, 2020
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	76 SADDLE TRL JEFFERSON GA 305494404, JEFFERSON, GA 30549-4404

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON GA
Property Address	76 SADDLE TRL, JEFFERSON, GA 30549-4404
Document Number	0007910631
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	76 SADDLE TRL JEFFERSON GA 305494404, JEFFERSON, GA 30549-4404

Mortgage

Document Number	0007910631
Date	Jan 2, 2018
Book Page	000791/000631

Lender

Name	BANK OF OZARK
Type	Bank
Address	WINDER, GA 30680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 76 Saddle Trl was $6,612 with a homeowner's exemption, down 18.5% 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		$316,560 (-) Land $26,000 Building $290,560	$791,400 (-) Land $65,000 Building $726,400
2025	$6,612.00 (-18.49%) Homeowner's exemption	$316,560 (+1.12%) Land $26,000 Building $290,560	$791,400 (+1.12%) Land $65,000 Building $726,400
2024	$8,112.00 (+8.94%)	$313,040 (+11.05%) Land $22,480 Building $290,560	$782,600 (+11.05%) Land $56,200 Building $726,400
2023	$7,446.00 (+10.52%)	$281,880 (+21.65%) Land $22,480 Building $259,400	$704,700 (+21.65%) Land $56,200 Building $648,500
2022	$6,737.00	$231,720 Land $22,480 Building $209,240	$579,300 Land $56,200 Building $523,100

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

Flood

FEMA maps place 76 Saddle Trl 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 76 Saddle Trl is low, with a 0.04% 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	0.04% 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	JACKSON COUNTY WATER & SEWER AUTHORITY serves 33,601 people · EPA ID GA1570117
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2022
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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TruVista Communications Fiber	5,000 / 5,000
Windstream DSL	200 / 20

May also be available: Point Broadband, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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