305 Lora Smith Rd, Newnan, GA 30265 Property Records

Coweta County property record for 305 Lora Smith Rd, Newnan, GA 30265

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,886 sqft · built 1997
Lot Size	0.909 acres (39,596 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Aug 2015)
Tax Bill	$3,285 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`W09-051`

Property Details

APN / Parcel Number

Primary APN	`W09-051`
Alternative APN	`40338`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,886 sqft Living Area
Gross Area	2,286 sqft
1st Floor Area	1,143 sqft
2nd Floor Area	743 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,596 sqft (0.909 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	103 sqft
Deck Area	420 sqft
Patio Area	134 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	40338
Street Address	305 LORA SMITH RD
City	NEWNAN
State	GA
Zip	30265-1966
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ND
Legal Description	H/LT A-13 CHESTERFIELD MANOR S/D
Legal Subdivision	CHESTERFIELD MANOR
Legal Block	1
Legal Lot Number	A-13
Jurisdiction	COWETA GA
Township / Civil Division	NEWNAN
Census Block Group	1
Census Block	1006
Census Tract	170405

Owner

305 Lora Smith Rd is owned and occupied by two individuals who bought it in August 2015.

Source: Coweta County records, as of October 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	305 LORA SMITH RD, NEWNAN, GA 30265-1966
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
Dec 27, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Sep 23, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2015 · Amount on File
Deed Sale	Aug 21, 2015 · Amount on File
Prior Sale	Oct 21, 2010 · Amount on File
Deed Document Number	20154455
Deed Book / Page	4265 / 171
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWETA GA
Property Address	305 LORA SMITH RD, NEWNAN, GA 30265-1966
Transaction Type	Mortgage
Record Updated	Feb 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 LORA SMITH RD, NEWNAN, GA 30265-1966

Mortgage

Document Number	00054880000000230
Date	Dec 27, 2021
Book Page	0000005488/0000000230
Instrument	036200

Lender

Name	ROCKET MORTGAGE

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWETA GA
Property Address	305 LORA SMITH RD, NEWNAN, GA 30265-1966
Document Number	0051460197
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 LORA SMITH RD NEWNAN GA 302651966, NEWNAN, GA 30265-1966

Mortgage

Document Number	0051460197
Date	Oct 7, 2020
Book Page	005146/000197

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 6, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 305 Lora Smith Rd was $3,285 with a homeowner's exemption.

Source: Coweta County assessment roll, as of October 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,285.00 Homeowner's exemption	$142,751 Land $30,000 Building $112,751	$356,877 Land $75,000 Building $281,877
2023	$2,502.00 Homeowner's exemption	$128,168 Land $22,000 Building $106,168	$320,420 Land $55,000 Building $265,420

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

Flood

FEMA maps place 305 Lora Smith Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective January 3, 2025 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2020 · other causes

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 305 Lora Smith Rd 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	Indirect within ember reach

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	COWETA WATER & SEWER AUTH. serves 92,907 people · EPA ID GA0770042
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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