838 Thistle Dr, Clarkesville, GA 30523 Property Records

Habersham County property record for 838 Thistle Dr, Clarkesville, GA 30523

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 1,874 sqft · built 1990
Lot Size	6.49 acres (282,704 sqft)
Owner	2 Individual Names on File
Last Sale	$421,000 (Aug 2022)
Tax Bill	$4,027 (2026)
Deeds & Mortgages	Sep 2010 Reverse Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005 040`

Property Details

APN / Parcel Number

Primary APN	`005 040`
Alternative APNs	`684344` `420307`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,874 sqft Heated Area
Gross Area	3,983 sqft
1st Floor Area	1,874 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2015
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	282,704 sqft (6.49 acres)

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Deck Area	465 sqft
Patio Area	1,773 sqft
Shed	1 Shed
Shed Area	256 sqft
Canopy	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	420307
Street Address	838 THISTLE DR
City	CLARKESVILLE
State	GA
Zip	30523-3599
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	LI
Legal Description	3-109 LT 7 B-A PB-24-212 1317-518
Legal Subdivision	CHATTAHOOCHEE MDWS
Legal Lot Number	7
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	2
Census Block	2000
Census Tract	201

Owner

838 Thistle Dr, a residential property, is owned by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1250 CHADWICK POINT DR, LAWRENCEVILLE, GA 30043-6289
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
Sep 14, 2010	Deed of Trust, Mortgage · Reverse Mortgage SIDUS FINANCIAL LLC
Aug 29, 2022	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Aug 29, 2022	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on File
Deed Sale	Aug 30, 2022 · Amount on File
Deed Document Number	20222300
Deed Book / Page	1317 / 518
Record Updated	Oct 29, 2026

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	838 THISTLE DR, CLARKESVILLE, GA 30523-3599
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00932/0094
Date	Sep 14, 2010
Book Page	932/0094

Lender

Name	SIDUS FINANCIAL LLC
Type	Mortgage Company
Address	GREENVILLE, NC 27858

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	928 Months
Due	Jan 17, 2088

Interest

Rate Type	Adjustable Rate
Rate	2.27%
Type Change Date	Nov 1, 2010
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	12.2%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 29, 2022
Property Address	838 THISTLE DR, CLARKESVILLE, GA 30523-3599
Document Number	001317/518
Book / Page	1317 / 518
Instrument Date	Aug 29, 2022
Instrument	2022-002300
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	1250 CHADWICK POINT DR, LAWRENCEVILLE, GA 30043-6289

Mortgage

Document Number	0000001317/0000000520
Date	Aug 30, 2022
Book Page	0000001317/0000000520

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HABERSHAM GA
Recording Date	Aug 29, 2022
Property Address	838 THISTLE DR, CLARKESVILLE, GA 30523-3599
Document Number	001317/518
Book / Page	1317 / 518
Instrument Date	Aug 29, 2022
Instrument	2022-002300
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	1250 CHADWICK POINT DR, LAWRENCEVILLE, GA 30043-6289

Mortgage

Document Number	0001317520
Date	Aug 29, 2022
Instrument	1317/520

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 838 Thistle Dr was $4,027.

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	$4,027.00	$176,679 Land $47,459 Building $129,220	$441,699 Land $118,648 Building $323,051
2023	$4,096.00 (+43.47%)	$157,812 (+43.42%) Land $38,004 Building $119,808	$394,530 (+43.42%) Land $95,010 Building $299,520
2022	$2,855.00	$110,036 Land $36,136 Building $73,900	$275,090 Land $90,340 Building $184,750

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

FEMA maps place 838 Thistle Dr in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 838 Thistle Dr is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 88% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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