Chatham County property record for 904 Mortar Ave, Tybee Island, GA 31328
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · built 2021 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $13,754 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 4-0020-03-009 |
| Primary APN | 4-0020-03-009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Metal |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 90 ft deep x 50 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 360 sqft |
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Electric |
| Street Address | 904 MORTAR AVE |
|---|---|
| City | TYBEE ISLAND |
| State | GA |
| Zip | 31328-9449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 7 BLOCK 15 BAY WARD TYBEE I SL |
| Legal Block | 15 |
| Legal Lot Number | 7 |
| Jurisdiction | CHATHAM GA |
| Township / Civil Division | TYBEE ISLAND-WILMINGTON ISLAND |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 11110 |
904 Mortar Ave, a single family home, is owned by an individual.
Source: Chatham County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 COTTON XING, SAVANNAH, GA 31411-2504 |
| 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.
| Date | Document |
|---|---|
| Jan 6, 2022 | Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK |
| Jul 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SYNOVUS BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM GA |
| Property Address | 904 MORTAR AVE, TYBEE ISLAND, GA 31328-9449 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0026710541 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 0000002671/0000000541 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 1, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM GA |
| Property Address | 904 MORTAR AVE, TYBEE ISLAND, GA 31328-9449 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0028620377 |
|---|---|
| Date | Jul 18, 2022 |
| Book Page | 0000002862/0000000377 |
| Instrument | 033956950019 |
| Name | SYNOVUS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 904 Mortar Ave was $13,754.
Source: Chatham County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Georgia |
| County | Chatham County |
| Municipality | Tybee Island City |
| Unified School District | Chatham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $454,520 (+3.73%) Land $105,000 Building $349,520 | $1,136,300 (+3.73%) Land $262,500 Building $873,800 | |
| 2025 | $13,754.00 | $438,160 Land $105,000 Building $333,160 | $1,095,400 Land $262,500 Building $832,900 |
| 2023 | $377,040 (+389.66%) Land $105,000 Building $272,040 | $942,600 (+389.66%) Land $262,500 Building $680,100 | |
| 2022 | $77,000 Land $77,000 | $192,500 Land $192,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 904 Mortar Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 307 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 522 units insured incl. 215 condo units |
| Nearby Flood Claims | 58 (2007–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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 risk around 904 Mortar Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Georgia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TYBEE ISLAND serves 8,047 people · EPA ID GA0510005 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 12 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.
Source: FCC Broadband Data Collection, based on 322 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: ClearWave.
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