686 Tree Top Trl, Evans, GA 30809 Property Records

Columbia County property record for 686 Tree Top Trl, Evans, GA 30809

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,719 sqft · built 2017
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$245,849 (Jul 2017)
Tax Bill	$3,499 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`059 444`

Property Details

APN / Parcel Number

Primary APN	`059 444`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,719 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	686 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 191 .19 ACS; SEC 2 OF WHISPERING PINES
Legal Subdivision	SEC 2 OF WHISPERING PINES
Legal Lot Number	191
Jurisdiction	COLUMBIA GA
Township / Civil Division	EVANS
Census Block Group	1
Census Block	1012
Census Tract	30304

Owner

686 Tree Top Trl is owned and occupied by two individuals who bought it in July 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	686 TREE TOP TRL, EVANS, GA 30809-0478
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2023	Deed of Trust, Mortgage · Line of Credit SRP FEDERAL CREDIT UNION
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BK
Jul 18, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI SOUTH ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on File
Deed Sale	Jul 14, 2017 · Amount on File
Deed Document Number	20174621
Deed Book / Page	11008 / 26
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA GA
Property Address	686 TREE TOP TRL, EVANS, GA 30809-0478
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 TREE TOP TRL, EVANS, GA 30809-0478

Mortgage

Document Number	014613/247
Date	Feb 2, 2023
Book Page	0000014613/0000000247

Lender

Name	SRP FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2043

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA GA
Property Address	686 TREE TOP TRL, EVANS, GA 30809-0478
Document Number	3020/0200
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 TREE TOP TRL EVANS GA 308090478, EVANS, GA 30809-0478

Mortgage

Document Number	3020/0200
Date	Nov 19, 2020
Book Page	013020/000200

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2050

July 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	COLUMBIA GA
Recording Date	Jul 18, 2017
Property Address	686 TREE TOP TRL, EVANS, GA 30809-0478
Document Number	1008/0026
Book / Page	011008 / 000026
Instrument Date	Jul 14, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 TREE TOP TRL EVANS GA 308090478, EVANS, GA 30809-0478

Mortgage

Document Number	1008/0028
Date	Jul 18, 2017
Book Page	011008/000028

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 686 Tree Top Trl was $3,499, down 16% from the year before.

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	$3,499.00 (-15.95%)	$181,858 (+4.45%) Land $33,204 Building $148,654	$454,644 (+4.45%) Land $83,010 Building $371,634
2025	$4,163.00 Additional exemption filed	$174,110 Land $33,204 Building $140,906	$435,275 Land $83,010 Building $352,265
2023	$3,798.00 (+9.29%) Homeowner's exemption	$166,505 (+24.76%) Land $28,304 Building $138,201	$416,262 (+24.76%) Land $70,760 Building $345,502
2022	$3,475.00 Homeowner's exemption	$133,456 Land $27,204 Building $106,252	$333,641 Land $68,010 Building $265,631

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

Flood

FEMA maps place 686 Tree Top Trl in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2007.

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 File 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

Wildfire risk around 686 Tree Top Trl is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 49% of Georgia
Wildfire Likelihood	0.09% 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	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.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Tree Top Trl

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