654 Smith Cir, Martin, GA 30557 Property Records

Stephens County property record for 654 Smith Cir, Martin, GA 30557

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,475 sqft · built 2017
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Tax Bill	$9,083 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071H 011`

Property Details

APN / Parcel Number

Primary APN	`071H 011`
Alternative APN	`148400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,475 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Terrain	Gentle Slope

Exterior Amenities

Porch	Porch
Porch Area	768 sqft
Patio Area	40 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	148400
Street Address	654 SMITH CIR
City	MARTIN
State	GA
Zip	30557-4946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 75 WOODLAND S/D
Legal Subdivision	WOODLAND S/D
Legal Lot Number	75
Jurisdiction	STEPHENS GA
Township / Civil Division	ROCK CREEK
Census Block Group	1
Census Block	1017
Census Tract	970201

Owner

654 Smith Cir is owned by an individual who acquired it in October 2016.

Source: Stephens County records, as of March 12, 2026

Owner of Record	Individual Name on File
Mailing Address	520 SEQUOIA CT, LOGANVILLE, GA 30052-2146
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
Dec 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG
Nov 29, 2017	Loan Modification, Mortgage NORTHEAST GA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 28, 2016
Transfer Doc	0011060002
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	654 SMITH CIR, MARTIN, GA 30557-4946
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011380088
Date	Dec 11, 2017
Book Page	1138/88

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS GA
Property Address	654 SMITH CIR, MARTIN, GA 30557-4946
Document Number	0012290480
Instrument Date	Oct 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	654 SMITH CIR MARTIN GA 305574946, MARTIN, GA 30557-4946

Mortgage

Document Number	0012290480
Date	Nov 23, 2020
Book Page	001229/000480

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 22, 2050

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STEPHENS GA
Property Address	654 SMITH CIR, MARTIN, GA 30557-4946
Document Number	0011370462
Instrument Date	Nov 29, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 SEQUOIA CT LOGANVILLE GA 300522146, LOGANVILLE, GA 30052-2146

Mortgage

Document Number	0011370462
Date	Dec 6, 2017
Book Page	001137/000462

Lender

Name	NORTHEAST GA BK
Type	Bank
Address	TOCCOA, GA 30577

Agreement

Amount	Amount on Record
Term	12 Months
Due	Dec 5, 2018

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 654 Smith Cir was $9,083.

Source: Stephens County assessment roll, as of March 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,083.00	$330,899 Land $41,472 Building $289,427	$827,248 Land $103,680 Building $723,568
2023	$6,130.00	$205,920 Land $41,472 Building $164,448	$514,800 Land $103,680 Building $411,120

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

Flood

FEMA maps place 654 Smith Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 654 Smith Cir is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 85% of Georgia
Wildfire Likelihood	0.06% 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	LAKE HARBOR SHORES SUBDIVISION private · serves 246 people · EPA ID GA2570029
Water Source	Purchased surface water from TOCCOA
Last State Inspection	Jun 2025
Lead	4 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
HTC Cable	1,000 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Smith Cir

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