646 Tree Top Trl, Evans, GA 30809 Property Records

Columbia County property record for 646 Tree Top Trl, Evans, GA 30809

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,568 sqft · built 2017
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$331,475 (Sep 2017)
Tax Bill	$1,768 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`059 437`

Property Details

APN / Parcel Number

Primary APN	`059 437`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,568 sqft Finished Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)

Location & Zoning

Street Address	646 TREE TOP TRL
City	EVANS
State	GA
Zip	30809-0478
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD;PLAN U
Legal Description	LOT 198 .19 ACS; SEC 2 OF WHISPERING PINES
Legal Subdivision	SEC 2 OF WHISPERING PINES
Legal Lot Number	198
Jurisdiction	COLUMBIA GA
Township / Civil Division	EVANS
Census Block Group	1
Census Block	1012
Census Tract	30304

Owner

Source: Columbia County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	646 TREE TOP TRL, EVANS, GA 30809-0478
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL
Feb 14, 2020	Quit Claim Deed, Transfer · VA Mortgage NAVY FCU
Sep 28, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Mar 8, 2017	Warranty Deed, Construction Loan · Line of Credit SOUTH ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2017 · Amount on Record
Deed Sale	Sep 19, 2017 · Amount on Record
Deed Document Number	20176273
Deed Book / Page	11119 / 192
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA GA
Property Address	646 TREE TOP TRL, EVANS, GA 30809-0478
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 TREE TOP TRL, EVANS, GA 30809-0478

Mortgage

Document Number	136200000000195
Date	Jul 12, 2021
Book Page	0000013620/0000000195

Lender

Name	VILLAGE CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLUMBIA GA
Recording Date	Feb 14, 2020
Property Address	646 TREE TOP TRL, EVANS, GA 30809-0478
Document Number	2403/0236
Book / Page	012403 / 000236
Instrument Date	Jan 23, 2020
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	646 TREE TOP TRL EVANS GA 308090478, EVANS, GA 30809-0478

Mortgage

Document Number	2403/0238
Date	Feb 14, 2020
Book Page	012403/000238

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLUMBIA GA
Recording Date	Sep 28, 2017
Property Address	646 TREE TOP TRL, EVANS, GA 30809-0478
Document Number	1119/0192
Book / Page	011119 / 000192
Instrument Date	Sep 19, 2017
Transaction Type	Transfer
Record Updated	Oct 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$331.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 TREE TOP TRL EVANS GA 308090478, EVANS, GA 30809-0478

Mortgage

Document Number	1119/0195
Date	Sep 28, 2017
Book Page	011119/000195

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

March 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	COLUMBIA GA
Recording Date	Mar 8, 2017
Property Address	646 TREE TOP TRL, EVANS, GA 30809-0478
Document Number	0803/0087
Book / Page	010803 / 000087
Instrument Date	Mar 2, 2017
Transaction Type	Construction Loan
Record Updated	Nov 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$54.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	646 TREE TOP TRL EVANS GA 30809, EVANS, GA 30809

Mortgage

Document Number	803/0090
Date	Mar 8, 2017
Book Page	010803/000090

Lender

Name	SOUTH ST BK
Type	Bank
Address	COLUMBIA, SC 29202-3113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 7, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Columbia County assessment roll, as of October 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,768.00 (-18.68%) Disabled Person's exemption Veteran's exemption	$220,892 (+4.93%) Land $33,204 Building $187,688	$552,229 (+4.93%) Land $83,010 Building $469,219
2025	$2,174.00 (+12%) Disabled Person's exemption Veteran's exemption	$210,507 (+4.44%) Land $33,204 Building $177,303	$526,268 (+4.44%) Land $83,010 Building $443,258
2023	$1,941.00 (-57.33%) Disabled Person's exemption Veteran's exemption	$201,555 (+16.59%) Land $28,304 Building $173,251	$503,887 (+16.59%) Land $70,760 Building $433,127
2022	$4,549.00	$172,872 Land $27,204 Building $145,668	$432,179 Land $68,010 Building $364,169

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 September 14, 2026 · 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
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	7 (2007–2026)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Hurricane Helene, Sep 2024 · 3 claims

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	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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	COLUMBIA COUNTY serves 124,763 people · EPA ID GA0730000
Water Source	Surface water
Last State Inspection	May 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
West Carolina Rural Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: WOW Internet, Cable & Phone.

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