93 Smith Rail Rd, Lyerly, GA 30730 Property Records

Chattooga County property record for 93 Smith Rail Rd, Lyerly, GA 30730

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,355 sqft · built 2000
Lot Size	2.95 acres (128,502 sqft)
Owner	Individual Name on File
Last Sale	$225,675 (Jul 2022)
Tax Bill	$2,296 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`00029-00000-026-00F`

Property Details

APN / Parcel Number

Primary APN	`00029-00000-026-00F`
Alternative APN	`1779`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,355 sqft Heated Area
1st Floor Area	2,355 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	128,502 sqft (2.95 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Deck Area	525 sqft
Patio Area	525 sqft
Lean-To	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1779
Street Address	93 SMITH RAIL RD
City	LYERLY
State	GA
Zip	30730-4559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CORNER LOT LL70
Legal Subdivision	7P3-PERINNIAL SPRGS 1-4
Legal Lot Number	LL70
Jurisdiction	CHATTOOGA GA
Township / Civil Division	LYERLY
Census Block Group	2
Census Block	2016
Census Tract	10600

Owner

93 Smith Rail Rd is owned and occupied by an individual who bought it in July 2022.

Source: Chattooga County records, as of January 19, 2026

Owner of Record	Individual Name on File
Mailing Address	93 SMITH RAIL RD, LYERLY, GA 30730-4559
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
Feb 15, 2024	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Jul 19, 2022	Warranty Deed, Transfer · FHA Mortgage RENASANT BANK
Jul 19, 2022	Warranty Deed, Transfer · FHA Mortgage RENASANT BANK
Dec 7, 2021	Foreclosure
Nov 7, 2017	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Nov 7, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on File
Deed Sale	Jul 19, 2022 · Amount on File
Prior Sale	Dec 7, 2021 · Amount on File
Deed Document Number	2022-000865
Deed Book / Page	757 / 242
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATTOOGA GA
Property Address	93 SMITH RAIL RD, LYERLY, GA 30730-4559
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 SMITH RAIL RD, LYERLY, GA 30730-4559

Mortgage

Document Number	0007810000000005
Date	Feb 15, 2024
Book Page	0000000781/0000000005

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	468 Months
Due	Jan 1, 2063

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATTOOGA GA
Recording Date	Jul 19, 2022
Property Address	93 SMITH RAIL RD, LYERLY, GA 30730-4559
Document Number	0007570242
Book / Page	757 / 242
Instrument Date	Jul 19, 2022
Instrument	2022-000865
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	93 SMITH RAIL RD, LYERLY, GA 30730-4559

Mortgage

Document Number	0007570000000244
Date	Jul 28, 2022
Book Page	0000000757/0000000244

Lender

Name	RENASANT BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHATTOOGA GA
Recording Date	Jul 19, 2022
Property Address	93 SMITH RAIL RD, LYERLY, GA 30730-4559
Document Number	0007570242
Book / Page	757 / 242
Instrument Date	Jul 19, 2022
Instrument	2022-000865
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	93 SMITH RAIL RD, LYERLY, GA 30730-4559

Mortgage

Document Number	0000757244
Date	Jul 19, 2022
Instrument	757/244

Lender

Name	RENASANT BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2052

December 2021: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHATTOOGA GA
Recording Date	Dec 7, 2021
Property Address	93 SMITH RAIL RD, LYERLY, GA 30730-4559
Document Number	0007490645
Book / Page	749 / 645
Instrument Date	Dec 7, 2021
Instrument	2022-000293
Transaction Type	Foreclosure
Record Updated	Nov 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3043 TOWNSGATE RD # 200, 200, WESTLAKE VILLAGE, CA 91361-3027

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHATTOOGA GA
Property Address	93 SMITH RAIL RD, LYERLY, GA 30730-4559
Document Number	0006750683
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 SMITH RAIL RD LYERLY GA 307304559, LYERLY, GA 30730-4559

Mortgage

Document Number	0006750683
Date	Dec 11, 2017
Book Page	000675/000683

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATTOOGA GA
Property Address	93 SMITH RAIL RD, LYERLY, GA 30730-4559
Document Number	0006750560
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 SMITH RAIL RD LYERLY GA 307304559, LYERLY, GA 30730-4559

Mortgage

Document Number	0006750560
Date	Dec 4, 2017
Book Page	000675/000560

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 93 Smith Rail Rd was $2,296.

Source: Chattooga County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,296.00	$122,032 Land $13,960 Building $108,072	$305,080 Land $34,900 Building $270,180
2023		$113,472 (+47.99%) Land $7,560 Building $105,912	$283,680 (+47.99%) Land $18,900 Building $264,780
2022	$2,040.00 Homeowner's exemption	$76,675 Land $4,452 Building $72,223	$191,689 Land $11,131 Building $180,558

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 93 Smith Rail Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · river or lake flooding

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 93 Smith Rail Rd is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 97.9% of Georgia
Wildfire Likelihood	0.3% 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)
Windstream Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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