885 Whitecliff Dr, Ellijay, GA 30540 Property Records

Gilmer County property record for 885 Whitecliff Dr, Ellijay, GA 30540

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,312 sqft · built 1987
Lot Size	4.07 acres (177,289 sqft)
Owner	Individual Name on File
Last Sale	$174,300 (Mar 2019)
Tax Bill	$1,287 (2025)
Deeds & Mortgages	May 2019 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3046B 051`

Property Details

APN / Parcel Number

Primary APN	`3046B 051`
Alternative APN	`13237`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,312 sqft Heated Area
1st Floor Area	1,144 sqft
Attic Area	168 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Exterior Material	Other
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Tin
Lot Area	177,289 sqft (4.07 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	280 sqft
Deck Area	346 sqft
Storage Building	880 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	13237
Street Address	885 WHITECLIFF DR
City	ELLIJAY
State	GA
Zip	30540-0345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 51 HARPER COVE
Legal Subdivision	HARPER COVE
Legal Lot Number	51
Jurisdiction	GILMER GA
Township / Civil Division	NORTH GILMER
Census Block Group	2
Census Block	2041
Census Tract	80200

Owner

885 Whitecliff Dr is owned and occupied by an individual who bought it in March 2019.

Source: Gilmer County records, as of February 19, 2026

Owner of Record	Individual Name on File
Mailing Address	885 WHITECLIFF DR, ELLIJAY, GA 30540-0345
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
May 15, 2019	Deed of Trust, Mortgage TOOMEY KEITH L
Mar 20, 2020	Deed of Trust, Mortgage · VA Mortgage ARK LA TEX FINANCIAL SERVICES
May 14, 2019	Deed of Trust, Mortgage HANCOCOK MORTGAGE PARTNERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2019 · Amount on File
Deed Sale	Mar 30, 2019 · Amount on File
Deed Document Number	0002168293
Deed Book / Page	1143 / 442
Prior Transfer Date	May 2, 2005
Prior Transfer Doc	2005-001892
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILMER GA
Property Address	885 WHITECLIFF DR, ELLIJAY, GA 30540-0345
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 WHITECLIFF DR, ELLIJAY, GA 30540-0345

Mortgage

Document Number	0000002169/0000000149
Date	May 15, 2019
Book Page	0000002169/0000000149
Instrument	002741

Lender

Name	TOOMEY KEITH L

Agreement

Amount	Amount on Record
Term	36 Months
Due	Jan 1, 2022

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILMER GA
Property Address	885 WHITECLIFF DR, ELLIJAY, GA 30540-0345
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 WHITECLIFF DR, ELLIJAY, GA 30540-0345

Mortgage

Document Number	0000002236/0000000447
Date	Mar 20, 2020
Book Page	0000002236/0000000447
Instrument	001714

Lender

Name	ARK LA TEX FINANCIAL SERVICES

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILMER GA
Property Address	885 WHITECLIFF DR, ELLIJAY, GA 30540-0345
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 SE 2ND ST, CAPE CORAL, FL 33990-1106

Mortgage

Document Number	0000002168/0000000296
Date	May 14, 2019
Book Page	0000002168/0000000296
Instrument	002692

Lender

Name	HANCOCOK MORTGAGE PARTNERS

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 885 Whitecliff Dr was $1,287 with a homeowner's exemption.

Source: Gilmer County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,287.00 Homeowner's exemption	$88,928 Land $26,000 Building $62,928	$222,320 Land $65,000 Building $157,320
2023	$1,285.00 (+9.27%)	$80,396 (+20.22%) Land $16,600 Building $63,796	$200,990 (+20.22%) Land $41,500 Building $159,490
2022	$1,176.00	$66,876 Land $14,200 Building $52,676	$167,190 Land $35,500 Building $131,690

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 885 Whitecliff Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective December 14, 2016 · 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (1994–2015)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Dec 2015 · Severe Storms And Flooding

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 885 Whitecliff Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 83% of Georgia
Wildfire Likelihood	0.1% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ETC Fiber	2,500 / 2,500

Cell Coverage

4G LTE (outdoors only), no 5G reported

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