903 N Oak St, Springfield, GA 31329 Property Records

Effingham County property record for 903 N Oak St, Springfield, GA 31329

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,960 sqft · built 1895
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Nov 2019)
Tax Bill	$3,405 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S1000020000`

Property Details

APN / Parcel Number

Primary APN	`S1000020000`
Alternative APNs	`S1000020` `26199`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,960 sqft Heated Area
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	20,473 sqft (0.47 acres)
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26199
Street Address	903 N OAK ST
City	SPRINGFIELD
State	GA
Zip	31329-4549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	.25 AC LOT 3 BLK 13
Legal Subdivision	CITYOFSPRINGFIELD
Legal Block	13
Legal Lot Number	3
Jurisdiction	EFFINGHAM GA
Township / Civil Division	GUYTON-SPRINGFIELD
Census Block Group	2
Census Block	2024
Census Tract	30205

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Springfield Historic District listed 2021 · 307 contributing resources · NRIS 100006329

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

903 N Oak St is owned and occupied by two individuals who bought it in November 2019.

Source: Effingham County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	903 N OAK ST, SPRINGFIELD, GA 31329-4549
Occupancy	Owner Occupied
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
May 13, 2026	Deed of Trust, Mortgage · VA Mortgage
Nov 5, 2019	Deed of Trust, Mortgage · VA Mortgage ANGEL OAK HOME LOANS
Aug 17, 2020	Deed of Trust, Mortgage · VA Mortgage ANGEL OAK HOME LOANS
Nov 1, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2019 · Amount on File
Deed Sale	Nov 1, 2019 · Amount on File
Prior Sale	Apr 19, 2004 · Amount on File
Deed Document Number	20192970
Deed Book / Page	2555 / 186
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Recording Date	May 13, 2026
Property Address	903 N OAK ST, SPRINGFIELD, GA 31329-4549
Document Number	0000004224
Book / Page	3043 / 767
Instrument Date	May 6, 2026
Instrument	20264224
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 N OAK ST, SPRINGFIELD, GA 31329-4549

Mortgage

Document Number	0000004224,
Date	May 13, 2026
Book Page	3043/767
Instrument	20264224

Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	903 N OAK ST, SPRINGFIELD, GA 31329-4549
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 N OAK ST, SPRINGFIELD, GA 31329-4549

Mortgage

Document Number	0000002555/0000000187
Date	Nov 5, 2019
Book Page	0000002555/0000000187
Instrument	009343

Lender

Name	ANGEL OAK HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	903 N OAK ST, SPRINGFIELD, GA 31329-4549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 N OAK ST, SPRINGFIELD, GA 31329-4549

Mortgage

Document Number	0000002615/0000000701
Date	Aug 17, 2020
Book Page	0000002615/0000000701
Instrument	008238

Lender

Name	ANGEL OAK HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Nov 1, 2019
Property Address	903 N OAK ST, SPRINGFIELD, GA 31329-4549
Document Number	002555/186
Book / Page	2555 / 186
Instrument Date	Nov 1, 2019
Instrument	2019-002970
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
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	903 N OAK ST, SPRINGFIELD, GA 31329-4549

Tax Assessment & Valuation

The 2025 property tax bill for 903 N Oak St was $3,405, up 19.1% from the year before.

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Municipality	Springfield City
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$99,896 (+8.65%) Land $12,408 Building $87,488	$249,739 (+8.65%) Land $31,020 Building $218,719
2025	$3,405.00 (+19.14%)	$91,942 (+11.83%) Land $12,408 Building $79,534	$229,855 (+11.83%) Land $31,020 Building $198,835
2024	$2,858.00	$82,215 Land $12,408 Building $69,807	$205,538 Land $31,020 Building $174,518
2022	$2,744.00	$76,658 Land $8,460 Building $68,198	$191,646 Land $21,150 Building $170,496

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

FEMA maps place 903 N Oak St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective October 1, 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
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 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 903 N Oak St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.03% 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	SPRINGFIELD serves 3,100 people · EPA ID GA1030002
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Planters Rural Telephone Cooperative, Windstream.

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