655 Smith Oaks Dr, Appling, GA 30802 Property Records

Columbia County property record for 655 Smith Oaks Dr, Appling, GA 30802

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,960 sqft · built 2022
Lot Size	6.58 acres (286,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,534 (Jan 2022)
Tax Bill	$7,356 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`047 117`

Property Details

APN / Parcel Number

Primary APN	`047 117`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,960 sqft Finished Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	286,625 sqft (6.58 acres)

Location & Zoning

Street Address	655 SMITH OAKS DR
City	APPLING
State	GA
Zip	30802-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6.58 ACS LOT 7; SMITH OAKS SECT I
Legal Subdivision	SMITH OAKS SECT I
Legal Lot Number	7
Jurisdiction	COLUMBIA GA
Township / Civil Division	APPLING
Census Block Group	3
Census Block	3010
Census Tract	30401

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	655 SMITH OAKS DR, APPLING, GA 30802-3313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE
Oct 22, 2025	Deed of Trust, Mortgage · Line of Credit F&M BANK
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage F&M BANK
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK
Dec 20, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2022 · Amount on Record
Deed Sale	Jan 19, 2022 · Amount on Record
Prior Sale	Dec 20, 2021 · Amount on Record
Deed Document Number	2022364
Deed Book / Page	14068 / 139
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA GA
Recording Date	Apr 20, 2026
Property Address	655 SMITH OAKS DR, APPLING, GA 30802-3313
Document Number	016065/154
Book / Page	16065 / 154
Instrument Date	Apr 14, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 SMITH OAKS DR, APPLING, GA 30802-3313

Mortgage

Document Number	1606000154,
Date	Apr 20, 2026
Book Page	16065/154

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA GA
Property Address	655 SMITH OAKS DR, APPLING, GA 30802-3313
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 SMITH OAKS DR, APPLING, GA 30802-3313

Mortgage

Document Number	015827/173
Date	Oct 22, 2025
Book Page	0000015827/0000000173

Lender

Name	F&M BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2030

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA GA
Property Address	655 SMITH OAKS DR, APPLING, GA 30802-3313
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 STONE CREST LN, APPLING, GA 30802-3639

Mortgage

Document Number	014068/141
Date	Jan 19, 2022
Book Page	0000014068/0000000141

Lender

Name	F&M BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 1, 2024

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA GA
Property Address	655 SMITH OAKS DR, APPLING, GA 30802-3313
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014141/227
Date	Mar 2, 2022
Book Page	0000014141/0000000227

Lender

Name	SOUTHSTATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Mar 1, 2020

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLUMBIA GA
Recording Date	Dec 20, 2021
Property Address	655 SMITH OAKS DR, APPLING, GA 30802-3313
Document Number	2022000364
Book / Page	14068 / 139
Instrument Date	Dec 20, 2021
Instrument	2022-000364
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 SMITH OAKS DR, APPLING, GA 30802-3313

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	$7,356.00 (+13.08%)	$330,242 (+21%) Land $79,606 Building $250,636	$825,605 (+21%) Land $199,016 Building $626,589
2025	$6,505.00 (-2.22%)	$272,926 (+4.36%) Land $76,147 Building $196,779	$682,315 (+4.36%) Land $190,367 Building $491,948
2023	$6,653.00 (+258.85%)	$261,524 (+266.28%) Land $71,047 Building $190,477	$653,810 (+266.28%) Land $177,617 Building $476,193
2022	$1,854.00	$71,400 Land $71,400	$178,500 Land $178,500

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 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 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

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

Wildfire Risk	Moderate above 52% of the US · above 71% of Georgia
Wildfire Likelihood	0.1% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
West Carolina Rural Telephone Cooperative Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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