1041 Flat Rock Rd, Covington, GA 30014 Property Records

Newton County property record for 1041 Flat Rock Rd, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,169 sqft · built 2005
Lot Size	2.04 acres (88,862 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Jun 2026)
Tax Bill	$6,334 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00770-00000-043-D00`

Property Details

APN / Parcel Number

Primary APN	`00770-00000-043-D00`
Alternative APNs	`0077 043D` `27862`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,169 sqft Heated Area
1st Floor Area	2,169 sqft
Basement Area	2,147 sqft
Finished Basement	2,147 sqft
Unfinished Basement	2,169 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2009
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	88,862 sqft (2.04 acres)
Garage Type	Mixed
Garage Area	882 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	105 sqft
Deck Area	74 sqft
Patio Area	283 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27862
Street Address	1041 FLAT ROCK RD
City	COVINGTON
State	GA
Zip	30014-0910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	2.044AC FLAT ROCK RD
Legal Subdivision	CORNISH TRACE
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	3
Census Block	3000
Census Tract	100101

Owner

1041 Flat Rock Rd is owned and occupied by two individuals who bought it in June 2026.

Source: Newton County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1041 FLAT ROCK RD, COVINGTON, GA 30014-0910
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
Jun 2, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE MORTGAGE
Jan 26, 2018	Quit Claim Deed, Mortgage · VA Mortgage USAA
Feb 1, 2017	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Jan 15, 2018 · Amount on File
Deed Book / Page	4836 / 535
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Jun 2, 2026
Property Address	1041 FLAT ROCK RD, COVINGTON, GA 30014-0910
Document Number	4836000535
Book / Page	4836 / 535
Instrument Date	May 22, 2026
Transaction Type	Transfer
Record Updated	Jul 20, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1041 FLAT ROCK RD, COVINGTON, GA 30014-0910

Mortgage

Document Number	0000000066,
Date	Jun 2, 2026
Book Page	4836/537
Instrument	202666

Lender

Name	MORTGAGE MORTGAGE

Agreement

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

Interest

Rate	6.23%
Max Rate	-1%

January 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Jan 26, 2018
Property Address	1041 FLAT ROCK RD, COVINGTON, GA 30014-0910
Document Number	0036580553
Book / Page	003658 / 000553
Instrument Date	Jan 12, 2018
Instrument	1036
Transaction Type	Mortgage
Record Updated	Feb 7, 2018
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Tax	$24.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1041 FLAT ROCK RD COVINGTON GA 300140910, COVINGTON, GA 30014-0910

Mortgage

Document Number	36580557
Date	Jan 26, 2018
Book Page	003658/000557
Instrument	1037

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2048

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	1041 FLAT ROCK RD, COVINGTON, GA 30014-0910
Document Number	0035310550
Book / Page	003531 / 000550
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1041 FLAT ROCK RD COVINGTON GA 300140910, COVINGTON, GA 30014-0910

Mortgage

Document Number	0035310550
Date	Feb 7, 2017
Book Page	003531/000550
Instrument	1558

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1041 Flat Rock Rd was $6,334, up 3.8% from the year before.

Source: Newton County assessment roll, as of December 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,334.00 (+3.84%)	$254,560 (+5.7%) Land $51,000 Building $203,560	$636,400 (+5.7%) Land $127,500 Building $508,900
2024	$6,100.00	$240,840 (+19.2%) Land $51,000 Building $189,840	$602,100 (+19.2%) Land $127,500 Building $474,600
2023		$202,040 Land $23,400 Building $178,640	$505,100 Land $58,500 Building $446,600
2022	$5,511.00

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 1041 Flat Rock Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 30, 2023 · 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 500 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 1041 Flat Rock Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 97.1% of Georgia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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