3103 Ocean Dr, Augusta, GA 30909 Property Records

Augusta-Richmond County Consolidated Government property record for 3103 Ocean Dr, Augusta, GA 30909

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,763 sqft · built 1996
Lot Size	0.489 acres (21,344 sqft)
Owner	Individual Name on Record
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jul 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-0-205-00-0`

Property Details

APN / Parcel Number

Primary APN	`039-0-205-00-0`
Alternative APNs	`24067` `17431`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,763 sqft Gross Area
1st Floor Area	1,763 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	21,344 sqft (0.489 acres)
Terrain	Rolling
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17431
Street Address	3103 OCEAN DR
City	AUGUSTA
State	GA
Zip	30909-0616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	BRIDGEPORT (00400) 013-E
Legal Subdivision	BRIDGEPORT
Legal Block	E
Legal Lot Number	13
Jurisdiction	RICHMOND GA
Township / Civil Division	AUGUSTA
Census Block Group	2
Census Block	2003
Census Tract	10208

Owner

Source: Augusta-Richmond County Consolidated Government records, as of October 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3103 OCEAN DR, AUGUSTA, GA 30909-0616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Line of Credit SRP FEDERAL CREDIT UNION
Jul 7, 2025	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Dec 1, 2020	Loan Modification, Mortgage · FHA Mortgage MR COOPER
Jun 5, 2020	Deed with Mortgage, Transfer · VA Mortgage SYNOVUS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2022
Deed Sale	Jun 14, 2022
Prior Sale	May 19, 2015 · Amount on Record
Deed Document Number	0018461469
Deed Book / Page	1727 / 386
Prior Transfer Date	Apr 29, 2020
Prior Transfer Doc	2020-002384
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND GA
Property Address	3103 OCEAN DR, AUGUSTA, GA 30909-0616
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 OCEAN DR, AUGUSTA, GA 30909-0616

Mortgage

Document Number	0018440000001250
Date	Jun 2, 2022
Book Page	0000001844/0000001250
Instrument	2022026675

Lender

Name	SRP FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2042

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND GA
Property Address	3103 OCEAN DR, AUGUSTA, GA 30909-0616
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 OCEAN DR, AUGUSTA, GA 30909-0616

Mortgage

Document Number	0019730000002701
Date	Jul 7, 2025
Book Page	0000001973/0000002701

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2050

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RICHMOND GA
Property Address	3103 OCEAN DR, AUGUSTA, GA 30909-0616
Document Number	0017531328
Instrument Date	Dec 1, 2020
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 OCEAN DR AUGUSTA GA 309090616, AUGUSTA, GA 30909-0616

Mortgage

Document Number	0017531328
Date	Dec 1, 2020
Book Page	001753/001328

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

Interest

Rate	2.75%

June 2020: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	RICHMOND GA
Recording Date	Jun 5, 2020
Property Address	3103 OCEAN DR, AUGUSTA, GA 30909-0616
Document Number	0017270386
Book / Page	001727 / 000386
Instrument Date	Apr 29, 2020
Instrument	12910
Transaction Type	Transfer
Record Updated	Jan 15, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 OCEAN DR AUGUSTA GA 309090616, AUGUSTA, GA 30909-0616

Mortgage

Document Number	17270388
Date	Jun 5, 2020
Book Page	001727/000388
Instrument	12910

Lender

Name	SYNOVUS BK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2050

Tax Assessment & Valuation

Source: Augusta-Richmond County Consolidated Government assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Georgia
County / Consolidated City	Augusta-Richmond County Consolidated Government
Unified School District	Richmond County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,164.00 (+18.99%)	$100,260 (+11.79%) Land $10,600 Building $89,660	$250,650 (+11.79%) Land $26,500 Building $224,150
2023	$2,659.00 (+8.22%)	$89,684 (+21.82%) Land $10,600 Building $79,084	$224,210 (+21.82%) Land $26,500 Building $197,710
2022	$2,457.00	$73,621 Land $10,600 Building $63,021	$184,053 Land $26,500 Building $157,553

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 19, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Jul 2020 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 80% of Georgia
Wildfire Likelihood	0.05% 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	AUGUSTA-RICHMOND CO WS serves 204,000 people · EPA ID GA2450000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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