441 Smith Chapel Rd, Bowdon, GA 30108 Property Records

Carroll County property record for 441 Smith Chapel Rd, Bowdon, GA 30108

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,352 sqft · built 1900
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$119,900 (Oct 2020)
Tax Bill	$1,351 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041--0009`

Property Details

APN / Parcel Number

Primary APN	`041--0009`
Alternative APN	`2247`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
View / Lot	Corner/Waterfront
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	424 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2247
Street Address	441 SMITH CHAPEL RD
City	BOWDON
State	GA
Zip	30108-2145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	HSE/ACC/TR-4(1AC) SMITH CHAPEL RD
Legal Tract	4
Jurisdiction	CARROLL GA
Township / Civil Division	MOUNT ZION
Census Block Group	1
Census Block	1058
Census Tract	910302

Owner

441 Smith Chapel Rd is owned and occupied by an individual who bought it in October 2020.

Source: Carroll County records, as of March 19, 2026

Owner of Record	Individual Name on File
Mailing Address	441 SMITH CHAPEL RD, BOWDON, GA 30108-2145
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
Nov 29, 2023	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Oct 14, 2020	Grant Deed, Transfer · FHA Mortgage FREEDOM MTG
May 3, 2018	Grant Deed, Transfer · Conventional with PMI HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2020 · Amount on File
Deed Sale	Oct 2, 2020 · Amount on File
Prior Sale	Apr 30, 2018 · Amount on File
Deed Document Number	20204718
Deed Book / Page	5859 / 193
Prior Transfer Date	Oct 15, 1996
Prior Transfer Doc	0948000274
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL GA
Property Address	441 SMITH CHAPEL RD, BOWDON, GA 30108-2145
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SMITH CHAPEL RD, BOWDON, GA 30108-2145

Mortgage

Document Number	0062060000000208
Date	Nov 29, 2023
Book Page	0000006206/0000000208

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jan 1, 2050

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL GA
Recording Date	Oct 14, 2020
Property Address	441 SMITH CHAPEL RD, BOWDON, GA 30108-2145
Document Number	0058590193
Book / Page	005859 / 000193
Instrument Date	Oct 2, 2020
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SMITH CHAPEL RD BOWDON GA 301082145, BOWDON, GA 30108-2145

Mortgage

Document Number	58590195
Date	Oct 14, 2020
Book Page	005859/000195

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL GA
Recording Date	May 3, 2018
Property Address	441 SMITH CHAPEL RD, BOWDON, GA 30108-2145
Document Number	0056280327
Book / Page	005628 / 000327
Instrument Date	Apr 30, 2018
Transaction Type	Transfer
Record Updated	May 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SMITH CHAPEL RD BOWDON GA 301082145, BOWDON, GA 30108-2145

Mortgage

Document Number	56280329
Date	May 3, 2018
Book Page	005628/000329

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 441 Smith Chapel Rd was $1,351.

Source: Carroll County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,351.00	$60,430 (%) Land $8,391 Building $52,039	$151,076 (-) Land $20,979 Building $130,097
2024	$1,351.00 (+5.63%)	$60,431 (+11.77%) Land $8,392 Building $52,039	$151,076 (+11.77%) Land $20,979 Building $130,097
2023	$1,279.00 (+19.2%)	$54,065 (+26.29%) Land $6,713 Building $47,352	$135,162 (+26.29%) Land $16,783 Building $118,379
2022	$1,073.00	$42,811 Land $4,476 Building $38,335	$107,026 Land $11,189 Building $95,837

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 441 Smith Chapel Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 15, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jun 2019 · 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 441 Smith Chapel Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 97.9% of Georgia
Wildfire Likelihood	0.4% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000
Crossbeam Fiber	1,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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