81 Melody Dr, Pooler, GA 31322 Property Records

Chatham County property record for 81 Melody Dr, Pooler, GA 31322

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,846 sqft · built 2018
Lot Size	0.205 acres (8,930 sqft)
Owner	2 Company Names on File
Tax Bill	$471 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jul 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5-1010F-06-040`

Property Details

APN / Parcel Number

Primary APN	`5-1010F-06-040`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,846 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,930 sqft (0.205 acres)
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	81 MELODY DR
City	POOLER
State	GA
Zip	31322-3644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 201 HARMONY SUB PHASE 3-A B OOK 51 PG 118 .205 AC
Legal Subdivision	HARMONY SUB
Legal Phase	3
Legal Lot Number	201
Jurisdiction	CHATHAM GA
Township / Civil Division	POOLER-BLOOMINGDALE
Census Block Group	2
Census Block	2027
Census Tract	10810

Owner

81 Melody Dr is owned by a company that acquired it in July 2025.

Source: Chatham County records, as of October 1, 2026

Owner of Record	2 Company Names on File
Mailing Address	81 MELODY DR, POOLER, GA 31322-3644
Owner Type	Company
Vesting	Borrower in Default

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
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Jul 24, 2025	Warranty Deed, Transfer
Jul 28, 2020	Deed of Trust, Mortgage · VA Mortgage BANKSOUTH MORTGAGE
Dec 20, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2025
Deed Sale	Jul 24, 2025
Prior Sale	Dec 20, 2017 · Amount on File
Deed Book / Page	3730 / 345
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	81 MELODY DR, POOLER, GA 31322-3644
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 MELODY DR, POOLER, GA 31322-3644

Mortgage

Document Number	0038630409
Date	Dec 22, 2025
Book Page	0000003863/0000000409

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2055

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Jul 24, 2025
Property Address	81 MELODY DR, POOLER, GA 31322-3644
Document Number	0037300345
Book / Page	3730 / 345
Instrument Date	Jul 24, 2025
Transaction Type	Transfer
Record Updated	Oct 13, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 MELODY DR, POOLER, GA 31322-3644

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM GA
Property Address	81 MELODY DR, POOLER, GA 31322-3644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 MELODY DR, POOLER, GA 31322-3644

Mortgage

Document Number	0000002001/0000000122
Date	Jul 28, 2020
Book Page	0000002001/0000000122
Instrument	032464710020

Lender

Name	BANKSOUTH MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATHAM GA
Recording Date	Dec 20, 2017
Property Address	81 MELODY DR, POOLER, GA 31322-3644
Document Number	0012530433
Book / Page	1253 / 433
Instrument Date	Dec 20, 2017
Instrument	2017-013174
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2702 WHATLEY AVE, SAVANNAH, GA 31404-4540
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 81 Melody Dr was $471, up 34.6% from the year before.

Source: Chatham County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Chatham County
Municipality	Pooler City
Unified School District	Chatham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$212,080 (+4.17%) Land $26,000 Building $186,080	$530,200 (+4.17%) Land $65,000 Building $465,200
2025	$471.00 (+34.57%) Disabled Person's exemption Veteran's exemption	$203,600 Land $26,000 Building $177,600	$509,000 Land $65,000 Building $444,000
2024	$350.00
2023		$164,840 (+9.95%) Land $11,200 Building $153,640	$412,100 (+9.95%) Land $28,000 Building $384,100
2022	$3,878.00	$149,920 Land $11,200 Building $138,720	$374,800 Land $28,000 Building $346,800

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

Flood

FEMA maps place 81 Melody Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective October 14, 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
Flood Insurance Cost	Premium on File median of 47 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	6 (2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Tropical Storm Debby, Aug 2024 · 4 claims

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

Wildfire risk around 81 Melody Dr 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 62% of the US · lower than 82% of Georgia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	POOLER serves 28,423 people · EPA ID GA0510001
Water Source	Purchased surface water from SAVANNAH-I & D
Last State Inspection	Nov 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Melody Dr

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