643 Lora Smith Rd, Newnan, GA 30265 Property Records

Coweta County property record for 643 Lora Smith Rd, Newnan, GA 30265

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,432 sqft · built 1995
Lot Size	0.814 acres (35,460 sqft)
Owner	Individual Name on Record
Last Sale	$287,000 (Sep 2025)
Tax Bill	$1,874 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`W05-019`

Property Details

APN / Parcel Number

Primary APN	`W05-019`
Alternative APN	`39216`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,432 sqft Living Area
Gross Area	1,954 sqft
1st Floor Area	1,432 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,460 sqft (0.814 acres)
Garage Type	Attached
Garage Area	522 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	90 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39216
Street Address	643 LORA SMITH RD
City	NEWNAN
State	GA
Zip	30265-1968
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ND
Legal Description	H/LT A-17 PH A LEGACY ESTATES S/D
Legal Subdivision	LEGACY ESTATES
Legal Phase	A
Legal Block	1
Legal Lot Number	A-17
Jurisdiction	COWETA GA
Township / Civil Division	NEWNAN
Census Block Group	1
Census Block	1001
Census Tract	170405

Owner

Source: Coweta County records, as of April 27, 2026

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	643 LORA SMITH RD, NEWNAN, GA 30265-1968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Warranty Deed, Transfer MOVEMENT MORTGAGE
Nov 14, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Prior Sale	Mar 18, 2011
Deed Book / Page	5739 / 1616
Prior Transfer Date	Aug 28, 2010
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COWETA GA
Recording Date	Sep 26, 2025
Property Address	643 LORA SMITH RD, NEWNAN, GA 30265-1968
Document Number	00057391616
Book / Page	5739 / 1616
Instrument Date	Sep 12, 2025
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2.87
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 LORA SMITH RD, NEWNAN, GA 30265-1968

Mortgage

Document Number	0057391642
Date	Sep 26, 2025
Instrument	5739/1642

Lender

Name	MOVEMENT MORTGAGE

Agreement

Amount	Amount Recorded
Term	112 Months
Due	Jan 1, 2035

Mortgage

Document Number	00057390000001618
Date	Sep 26, 2025
Book Page	0000005739/0000001618
Instrument	2025014505

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COWETA GA
Property Address	643 LORA SMITH RD, NEWNAN, GA 30265-1968
Document Number	0046300753
Instrument Date	Nov 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 LORA SMITH RD NEWNAN GA 302651968, NEWNAN, GA 30265-1968

Mortgage

Document Number	0046300753
Date	Nov 24, 2017
Book Page	004630/000753
Instrument	21971

Lender

Name	SUNTRUST BK
Type	Bank
Address	ATLANTA, GA 30328

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$1,874.00 (-32.52%) Senior Citizen's exemption Additional exemption filed	$118,957 (-2.72%) Land $24,000 Building $94,957	$297,393 (-2.72%) Land $60,000 Building $237,393
2024	$2,777.00 (+24.14%) Homeowner's exemption	$122,281 (+4.73%) Land $24,000 Building $98,281	$305,702 (+4.73%) Land $60,000 Building $245,702
2023	$2,237.00 Homeowner's exemption	$116,762 Land $20,000 Building $96,762	$291,905 Land $50,000 Building $241,905

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

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

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

Wildfire Risk	Low lower than 65% of the US · lower than 88% 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	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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