120 Cross Rd, Covington, GA 30016 Property Records

Newton County property record for 120 Cross Rd, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,692 sqft · built 1974
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,866 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Mar 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00310-00000-011-000`

Property Details

APN / Parcel Number

Primary APN	`00310-00000-011-000`
Alternative APNs	`0031 011` `17366`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,692 sqft Heated Area
1st Floor Area	1,692 sqft
Basement Area	922 sqft
Finished Basement	922 sqft
Unfinished Basement	931 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	228 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	17366
Street Address	120 CROSS RD
City	COVINGTON
State	GA
Zip	30016-5117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1AC LL7 D8 OFF HWY 81
Legal Subdivision	R3 MISC LAND - AREA 10
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1006
Census Tract	100904

Owner

120 Cross Rd is owned and occupied by two individuals who acquired it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 CROSS RD, COVINGTON, GA 30016-5117
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
Dec 26, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE
Mar 22, 2023	Warranty Deed, Transfer
Apr 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 6, 2017	Loan Modification, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2023
Deed Sale	Mar 22, 2023
Deed Document Number	20231056
Deed Book / Page	4490 / 317
Prior Transfer Date	Mar 30, 2020
Prior Transfer Doc	0039840276
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	120 CROSS RD, COVINGTON, GA 30016-5117
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CROSS RD, COVINGTON, GA 30016-5117
Investor	Possibly a Property Investor

Mortgage

Document Number	0045780000000372
Date	Dec 26, 2023
Book Page	0000004578/0000000372
Instrument	D2023014823

Lender

Name	UNITED WHOLESALE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Mar 22, 2023
Property Address	120 CROSS RD, COVINGTON, GA 30016-5117
Document Number	0044900317
Book / Page	4490 / 317
Instrument Date	Mar 22, 2023
Instrument	2023-001056
Transaction Type	Transfer
Record Updated	Apr 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CROSS RD, COVINGTON, GA 30016-5117

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Apr 1, 2020
Property Address	120 CROSS RD, COVINGTON, GA 30016-5117
Document Number	0039840276
Book / Page	003984 / 000276
Instrument Date	Mar 31, 2020
Instrument	4275
Transaction Type	Transfer
Record Updated	May 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CROSS RD COVINGTON GA 300165117, COVINGTON, GA 30016-5117

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEWTON GA
Property Address	120 CROSS RD, COVINGTON, GA 30016-5117
Document Number	0035500400
Book / Page	003550 / 000400
Instrument Date	Mar 6, 2017
Transaction Type	Mortgage
Record Updated	Apr 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 MISTY RIVER LN HAYESVILLE NC 289047746, HAYESVILLE, NC 28904-7746

Mortgage

Document Number	0035500400
Date	Apr 5, 2017
Book Page	003550/000400
Instrument	3775

Lender

Name	BRANCH BK&TR
Type	Bank
Address	GRIFFIN, GA 30223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Apr 4, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 120 Cross Rd was $1,866.

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	$1,866.00	$75,000 Land $11,200 Building $63,800	$187,500 Land $28,000 Building $159,500
2023		$62,360 Land $7,400 Building $54,960	$155,900 Land $18,500 Building $137,400
2022	$1,561.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 Cross Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 120 Cross Rd is low, with a 0.07% 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 80% of Georgia
Wildfire Likelihood	0.07% 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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