10872 Flat Shoals Rd, Covington, GA 30016 Property Records

Newton County property record for 10872 Flat Shoals Rd, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,452 sqft · built 1998
Lot Size	1.21 acres (52,708 sqft)
Owner	Owner Name on File
Last Sale	$103,000 (Mar 2008)
Tax Bill	$855 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00650-00000-060-000`

Property Details

APN / Parcel Number

Primary APN	`00650-00000-060-000`
Alternative APNs	`0065 060` `25365`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,452 sqft Heated Area
1st Floor Area	1,452 sqft
Flooring	Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	52,708 sqft (1.21 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25365
Old Parcel Number	0065 060
Street Address	10872 FLAT SHOALS RD
City	COVINGTON
State	GA
Zip	30016-4704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 30 FLAT SHOALS EST
Legal Subdivision	FLAT SHOALS ESTATES
Legal Lot Number	30
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	2
Census Block	2043
Census Tract	100600

Owner

The current owner of 10872 Flat Shoals Rd bought it in March 2008.

Source: Newton County records, as of December 15, 2025

Owner of Record	Owner Name on File
Mailing Address	10872 FLAT SHOALS RD, COVINGTON, GA 30016-4704
Occupancy	Owner Occupied

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
Sep 16, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 16, 2020	Loan Modification, Mortgage · FHA Mortgage MR COOPER
Oct 9, 2017	Loan Modification, Mortgage · FHA Mortgage MR COOPER
Oct 9, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2008 · Amount on File
Deed Sale	Mar 5, 2008 · Amount on File
Prior Sale	Jan 7, 2008
Deed Document Number	0002576581
Deed Book / Page	2576 / 581
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	10872 FLAT SHOALS RD, COVINGTON, GA 30016-4704
Document Number	0040810518
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10872 FLAT SHOALS RD COVINGTON GA 300164704, COVINGTON, GA 30016-4704

Mortgage

Document Number	0040810518
Date	Oct 9, 2020
Book Page	004081/000518
Instrument	14479

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2050

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEWTON GA
Property Address	10872 FLAT SHOALS RD, COVINGTON, GA 30016-4704
Document Number	0040810513
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10872 FLAT SHOALS RD COVINGTON GA 300164704, COVINGTON, GA 30016-4704

Mortgage

Document Number	0040810513
Date	Oct 9, 2020
Book Page	004081/000513
Instrument	14478

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2050

Interest

Rate	3.5%

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEWTON GA
Property Address	10872 FLAT SHOALS RD, COVINGTON, GA 30016-4704
Document Number	0036270266
Instrument Date	Oct 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10872 FLAT SHOALS RD COVINGTON GA 300164704, COVINGTON, GA 30016-4704

Mortgage

Document Number	0036270266
Date	Oct 31, 2017
Book Page	003627/000266
Instrument	12322

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	10872 FLAT SHOALS RD, COVINGTON, GA 30016-4704
Document Number	0036270261
Instrument Date	Oct 9, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10872 FLAT SHOALS RD COVINGTON GA 300164704, COVINGTON, GA 30016-4704

Mortgage

Document Number	0036270261
Date	Oct 31, 2017
Book Page	003627/000261
Instrument	12321

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10872 Flat Shoals Rd was $855 with exemptions applied, up 7.3% from the year before.

Source: Newton County assessment roll, as of July 1, 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	$855.00 (+7.28%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$78,560 (+7.56%) Land $15,200 Building $63,360	$196,400 (+7.56%) Land $38,000 Building $158,400
2024	$797.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$73,040 (+20.21%) Land $15,200 Building $57,840	$182,600 (+20.21%) Land $38,000 Building $144,600
2023		$60,760 (+22.9%) Land $7,400 Building $53,360	$151,900 (+22.9%) Land $18,500 Building $133,400
2022	$1,499.00 Homeowner's exemption	$49,440 Land $7,400 Building $42,040	$123,600 Land $18,500 Building $105,100

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 10872 Flat Shoals Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2009 · Severe Storms And 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 10872 Flat Shoals Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 82% of Georgia
Wildfire Likelihood	0.05% 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	COVINGTON serves 14,391 people · EPA ID GA2170001
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Nearby Properties on Flat Shoals Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures