115 Cowan Rdg, Covington, GA 30016 Property Records

Newton County property record for 115 Cowan Rdg, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,318 sqft · built 2018
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Jun 2022)
Tax Bill	$1,290 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0029E-00000-021-000`

Property Details

APN / Parcel Number

Primary APN	`0029E-00000-021-000`
Alternative APNs	`0029E 021` `16836`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,318 sqft Heated Area
1st Floor Area	526 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,185 sqft (0.67 acres)
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16836
Street Address	115 COWAN RDG
City	COVINGTON
State	GA
Zip	30016-9165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 21 COWAN RIDGE
Legal Subdivision	COWAN RIDGE
Legal Lot Number	21
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1000
Census Tract	100905

Owner

115 Cowan Rdg is owned and occupied by two individuals who bought it in June 2022.

Source: Newton County records, as of December 16, 2025

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	115 COWAN RDG, COVINGTON, GA 30016-9165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
Jun 8, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
Jun 18, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI SOUTHEAST MTG/GA
Jun 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 20, 2017	Trustee's Deed, Construction Loan · Construction Mortgage STATE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	Aug 29, 2014 · Amount on File
Deed Document Number	20223098
Deed Book / Page	4405 / 684
Prior Transfer Date	Mar 31, 2018
Prior Transfer Doc	0037140019
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Jun 8, 2022
Property Address	115 COWAN RDG, COVINGTON, GA 30016-9165
Document Number	0044050684
Book / Page	4405 / 684
Instrument Date	Jun 8, 2022
Instrument	2022-003098
Transaction Type	Transfer
Record Updated	Aug 4, 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	115 COWAN RDG, COVINGTON, GA 30016-9165

Mortgage

Document Number	0044050000000686
Date	Jun 28, 2022
Book Page	0000004405/0000000686
Instrument	011398

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

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

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Jun 8, 2022
Property Address	115 COWAN RDG, COVINGTON, GA 30016-9165
Document Number	0044050684
Book / Page	4405 / 684
Instrument Date	Jun 8, 2022
Instrument	2022-003098
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	115 COWAN RDG, COVINGTON, GA 30016-9165

Mortgage

Document Number	0000011398
Date	Jun 8, 2022
Instrument	011398

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2052

June 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Jun 18, 2018
Property Address	115 COWAN RDG, COVINGTON, GA 30016-9165
Document Number	0037140003
Book / Page	003714 / 000003
Instrument Date	May 31, 2018
Instrument	7318
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 COWAN RD SE CONYERS GA 30094, CONYERS, GA 30094

Mortgage

Document Number	37140006
Date	Jun 18, 2018
Book Page	003714/000006
Instrument	7319

Lender

Name	SOUTHEAST MTG/GA
Type	Mortgage Company
Address	DULUTH, GA 30096

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Jun 18, 2018
Property Address	115 COWAN RDG, COVINGTON, GA 30016-9165
Document Number	0037140019
Book / Page	003714 / 000019
Instrument Date	May 31, 2018
Instrument	7320
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 COWAN RD SE CONYERS GA 30094, CONYERS, GA 30094

November 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	NEWTON GA
Recording Date	Nov 20, 2017
Property Address	115 COWAN RDG, COVINGTON, GA 30016-9165
Document Number	0036340490
Book / Page	003634 / 000490
Instrument Date	Nov 2, 2017
Instrument	13093
Transaction Type	Construction Loan
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	750 CHASTAIN COR MARIETTA GA 300668518, MARIETTA, GA 30066-8518
Investor	Possibly a Property Investor

Mortgage

Document Number	36340490
Date	Nov 20, 2017
Book Page	003634/000490
Instrument	13093

Lender

Name	STATE BK&TR
Type	Bank
Address	ATLANTA, GA 30326

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 19, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 115 Cowan Rdg was $1,290 with exemptions applied.

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	$1,290.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$173,480 Land $24,800 Building $148,680	$433,700 Land $62,000 Building $371,700
2023		$165,560 Land $8,800 Building $156,760	$413,900 Land $22,000 Building $391,900
2022	$3,622.00

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 115 Cowan Rdg in Zone X, an area of minimal flood risk.

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	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 115 Cowan Rdg is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 85% of Georgia
Wildfire Likelihood	0.04% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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