540 Lora Smith Rd, Newnan, GA 30265 Property Records

Coweta County property record for 540 Lora Smith Rd, Newnan, GA 30265

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1982
Lot Size	1.83 acres (79,715 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Apr 2017)
Tax Bill	$2,148 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`110-6030-002`

Property Details

APN / Parcel Number

Primary APN	`110-6030-002`
Alternative APN	`16819`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	1,872 sqft
1st Floor Area	1,512 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	79,715 sqft (1.83 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	147 sqft
Deck Area	374 sqft
Patio Area	209 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	16819
Street Address	540 LORA SMITH RD
City	NEWNAN
State	GA
Zip	30265-1781
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ND
Legal Description	H/1.83AC LL 30 6TH LD LORA SMITH RD
Legal Subdivision	WILLIE L BOLTON
Legal Block	4
Jurisdiction	COWETA GA
Township / Civil Division	NEWNAN
Census Block Group	4
Census Block	4016
Census Tract	170405

Owner

540 Lora Smith Rd is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 LORA SMITH RD, NEWNAN, GA 30265-1781
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
Jun 8, 2020	Deed of Trust, Mortgage · Conventional with PMI JP MORGAN CHASE BK
Nov 19, 2019	Deed of Trust, Mortgage JP MORGAN CHASE BK
Nov 20, 2018	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Apr 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 14, 2017	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2017 · Amount on File
Deed Sale	Apr 14, 2017 · Amount on File
Prior Sale	Sep 30, 1981 · Amount on File
Deed Document Number	20171933
Deed Book / Page	4526 / 779
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWETA GA
Property Address	540 LORA SMITH RD, NEWNAN, GA 30265-1781
Document Number	0051060783
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	540 LORA SMITH RD NEWNAN GA 302651781, NEWNAN, GA 30265-1781

Mortgage

Document Number	0051060783
Date	Aug 10, 2020
Book Page	005106/000783

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Aug 9, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWETA GA
Property Address	540 LORA SMITH RD, NEWNAN, GA 30265-1781
Document Number	0049550228
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540 LORA SMITH RD NEWNAN GA 302651781, NEWNAN, GA 30265-1781

Mortgage

Document Number	0049550228
Date	Nov 27, 2019
Book Page	004955/000228

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWETA GA
Property Address	540 LORA SMITH RD, NEWNAN, GA 30265-1781
Document Number	0047870436
Instrument Date	Nov 20, 2018
Transaction Type	Mortgage
Record Updated	Dec 20, 2018
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	540 LORA SMITH RD NEWNAN GA 302651781, NEWNAN, GA 30265-1781

Mortgage

Document Number	0047870436
Date	Nov 29, 2018
Book Page	004787/000436
Instrument	21386

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2048

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COWETA GA
Recording Date	Apr 17, 2017
Property Address	540 LORA SMITH RD, NEWNAN, GA 30265-1781
Document Number	0045270199
Book / Page	004527 / 000199
Instrument Date	Apr 14, 2017
Instrument	6554
Transaction Type	Transfer
Record Updated	Apr 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 LORA SMITH RD NEWNAN GA 302651781, NEWNAN, GA 30265-1781

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COWETA GA
Recording Date	Apr 14, 2017
Property Address	540 LORA SMITH RD, NEWNAN, GA 30265-1781
Document Number	0045260779
Book / Page	004526 / 000779
Instrument Date	Apr 14, 2017
Instrument	6506
Transaction Type	Transfer
Record Updated	Apr 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 LORA SMITH RD NEWNAN GA 302651781, NEWNAN, GA 30265-1781

Mortgage

Document Number	45260780
Date	Apr 14, 2017
Book Page	004526/000780
Instrument	6507

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2047

Mortgage

Document Number	45260801,
Date	Apr 14, 2017
Book Page	004526/000801
Instrument	6508

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 540 Lora Smith Rd was $2,148 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	$2,148.00 Homeowner's exemption	$96,879 Land $22,988 Building $73,891	$242,197 Land $57,469 Building $184,728
2023	$1,859.00 Homeowner's exemption	$102,522 Land $29,839 Building $72,683	$256,305 Land $74,597 Building $181,708

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

Flood

FEMA maps place 540 Lora Smith Rd in Zone X, an area of minimal flood risk.

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	5 in force

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 540 Lora Smith Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 89% of Georgia
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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