98 Montego Cir, Riverdale, GA 30274 Property Records

Clayton County property record for 98 Montego Cir, Riverdale, GA 30274

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,249 sqft · built 1974
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$239,900 (Jan 2023)
Tax Bill	$4,756 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-205A-B-012`

Property Details

APN / Parcel Number

Primary APN	`13-205A-B-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,249 sqft Living Area
1st Floor Area	1,249 sqft
Basement Area	546 sqft
Finished Basement	546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2010
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Deck Area	120 sqft
Patio Area	19 sqft
Balcony Area	27 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Connected

Location & Zoning

Street Address	98 MONTEGO CIR
City	RIVERDALE
State	GA
Zip	30274-3613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS110
Legal Subdivision	WINDGATE HILLS
Legal Lot Number	235
Jurisdiction	CLAYTON GA
Township / Civil Division	RIVERDALE
Census Block Group	2
Census Block	2003
Census Tract	40533

Owner

98 Montego Cir is owned and occupied by an individual who bought it in January 2023.

Source: Clayton County records, as of August 28, 2026

Owner of Record	Individual Name on File
Mailing Address	98 MONTEGO CIR, RIVERDALE, GA 30274-3613
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
Sep 27, 2023	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL
Dec 30, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCE
Jan 24, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2023 · Amount on File
Deed Sale	Jan 3, 2023 · Amount on File
Deed Document Number	202318
Deed Book / Page	13285 / 204
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAYTON GA
Property Address	98 MONTEGO CIR, RIVERDALE, GA 30274-3613
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 MONTEGO CIR, RIVERDALE, GA 30274-3613
Investor	Possibly a Property Investor

Mortgage

Document Number	0135770000000742
Date	Sep 27, 2023
Book Page	0000013577/0000000742

Lender

Name	VILLAGE CAPITAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAYTON GA
Recording Date	Dec 30, 2022
Property Address	98 MONTEGO CIR, RIVERDALE, GA 30274-3613
Document Number	0132850204
Book / Page	13285 / 204
Instrument Date	Dec 30, 2022
Instrument	2023-000018
Transaction Type	Transfer
Record Updated	May 2, 2023

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	98 MONTEGO CIR, RIVERDALE, GA 30274-3613
Investor	Possibly a Property Investor

Mortgage

Document Number	0132850000000206
Date	Jan 3, 2023
Book Page	0000013285/0000000206

Lender

Name	AMERICAN FINANCE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLAYTON GA
Recording Date	Jan 24, 2020
Property Address	98 MONTEGO CIR, RIVERDALE, GA 30274-3613
Document Number	0117940036
Book / Page	011794 / 000036
Instrument Date	Jan 17, 2020
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 MONTEGO CIR

Tax Assessment & Valuation

The 2026 property tax bill for 98 Montego Cir was $4,756.

Source: Clayton County assessment roll, as of August 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,756.00	$129,680 (+5.26%) Land $8,000 Building $121,680	$324,200 (+5.26%) Land $20,000 Building $304,200
2025	$4,756.00	$123,200 Land $8,000 Building $115,200	$308,000 Land $20,000 Building $288,000
2023	$3,326.00	$91,080 Land $8,000 Building $83,080	$227,700 Land $20,000 Building $207,700

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 98 Montego Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 28, 2025

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 98 Montego Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.5% of Georgia
Wildfire Likelihood	0.02% 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	CLAYTON COUNTY WATER AUTHORITY serves 298,374 people · EPA ID GA0630000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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