855 Mountain Ranch Rd, Clarkesville, GA 30523 Property Records

Habersham County property record for 855 Mountain Ranch Rd, Clarkesville, GA 30523

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 3,635 sqft · built 2006
Lot Size	5.3 acres (230,868 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Mar 2006)
Tax Bill	$5,120 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2025 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`097 167B`

Property Details

APN / Parcel Number

Primary APN	`097 167B`
Alternative APNs	`679178` `400996`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,635 sqft Heated Area
Gross Area	8,649 sqft
1st Floor Area	2,125 sqft
Upper Floors Area	1,030 sqft
Attic	Attic
Attic Area	1,030 sqft
Basement Area	2,125 sqft
Unfinished Basement	2,125 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	230,868 sqft (5.3 acres)
Lot Width	579 ft Width
Garage Area	1,704 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	1,297 sqft
Deck Area	Deck Area
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	400996
Street Address	855 MOUNTAIN RANCH RD
City	CLARKESVILLE
State	GA
Zip	30523-1813
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	LI
Legal Description	13-44 TRK 11 PB 19-184 1225-824
Legal Subdivision	HUCKLEBERRY RDG 11
Legal Tract	11
Jurisdiction	HABERSHAM GA
Township / Civil Division	CLARKESVILLE
Census Block Group	3
Census Block	3001
Census Tract	203

Owner

855 Mountain Ranch Rd, a rural home, is owned and occupied by an individual who acquired it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813
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
Mar 6, 2026	Deed of Trust, Mortgage HABERSHAM ELECTRIC MEMBERSHIP
Aug 6, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK
Oct 10, 2019	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK
Jun 29, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2006 · Amount on File
Deed Sale	Mar 1, 2006 · Amount on File
Deed Book / Page	748 / 124
Last Transfer Date	Jun 29, 2020
Transfer Doc	001225/824
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813
Transaction Type	Mortgage
Record Updated	May 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813

Mortgage

Document Number	0000001425/0000000456
Date	Mar 6, 2026
Book Page	0000001425/0000000456

Lender

Name	HABERSHAM ELECTRIC MEMBERSHIP

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813

Mortgage

Document Number	0000001405/0000000838
Date	Aug 6, 2025
Book Page	0000001405/0000000838

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2045

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813

Mortgage

Document Number	0000001225/0000000826
Date	Jul 13, 2020
Book Page	0000001225/0000000826

Lender

Name	MAGNOLIA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2040

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HABERSHAM GA
Property Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813

Mortgage

Document Number	0000001203/0000000659
Date	Oct 10, 2019
Book Page	0000001203/0000000659

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2044

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HABERSHAM GA
Recording Date	Jun 29, 2020
Property Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813
Document Number	001225/824
Book / Page	1225 / 824
Instrument Date	Jun 29, 2020
Instrument	2020-001284
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 MOUNTAIN RANCH RD, CLARKESVILLE, GA 30523-1813

Tax Assessment & Valuation

The 2026 property tax bill for 855 Mountain Ranch Rd was $5,120 with exemptions applied, down 7.3% from the year before.

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	$5,120.00 (-7.26%) Homeowner's exemption Senior Citizen's exemption	$305,326 (-1.81%) Land $41,158 Building $264,168	$763,316 (-1.81%) Land $102,895 Building $660,421
2025	$5,521.00 Homeowner's exemption Senior Citizen's exemption	$310,961 Land $38,465 Building $272,496	$777,403 Land $96,163 Building $681,240
2023	Homeowner's exemption Senior Citizen's exemption	$241,704 (+15.3%) Land $15,604 Building $226,100	$604,260 (+15.3%) Land $39,010 Building $565,250
2022	Homeowner's exemption Senior Citizen's exemption	$209,624 Land $15,604 Building $194,020	$524,060 Land $39,010 Building $485,050

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

Flood

FEMA maps place 855 Mountain Ranch Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 5, 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 855 Mountain Ranch Rd is moderate, ranking above 60% 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 60% of the US · above 90% of Georgia
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TrailWave Fiber	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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