1399 Lower River Rd, Covington, GA 30016 Property Records

Newton County property record for 1399 Lower River Rd, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,722 sqft · built 2000
Lot Size	6.73 acres (293,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,000 (Apr 2020)
Tax Bill	$4,938 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00480-00000-057-000`

Property Details

APN / Parcel Number

Primary APN	`00480-00000-057-000`
Alternative APNs	`0048 057` `22026`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,722 sqft Heated Area
1st Floor Area	910 sqft
Flooring	Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	293,594 sqft (6.73 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Open Porch
Porch Area	696 sqft
Deck Area	244 sqft
Patio Area	244 sqft
Lean-To	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22026
Old Parcel Number	0048 057
Street Address	1399 LOWER RIVER RD
City	COVINGTON
State	GA
Zip	30016-8283
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	6.74AC LT 45 R'BEND FARMS
Legal Subdivision	R4 MISC LAND - AREA 7
Legal Lot Number	45
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	2
Census Block	2057
Census Tract	100600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1399 LOWER RIVER RD, COVINGTON, GA 30016-8283
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING
Apr 10, 2020	Grant Deed, Transfer · VA Mortgage ANGEL OAK HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2020 · Amount on Record
Deed Sale	Apr 9, 2020 · Amount on Record
Prior Sale	Sep 22, 2003
Deed Document Number	0003989304
Deed Book / Page	3989 / 304
Last Transfer Date	Apr 10, 2020
Transfer Doc	0039890304
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	1399 LOWER RIVER RD, COVINGTON, GA 30016-8283
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1399 LOWER RIVER RD, COVINGTON, GA 30016-8283

Mortgage

Document Number	0042660000000427
Date	Sep 20, 2021
Book Page	0000004266/0000000427
Instrument	017961

Lender

Name	PLANET HOME LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Apr 10, 2020
Property Address	1399 LOWER RIVER RD, COVINGTON, GA 30016-8283
Document Number	0039890304
Book / Page	003989 / 000304
Instrument Date	Apr 9, 2020
Instrument	4803
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$349.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1399 LOWER RIVER RD COVINGTON GA 300168283, COVINGTON, GA 30016-8283

Mortgage

Document Number	39890307
Date	Apr 10, 2020
Book Page	003989/000307
Instrument	4804

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2050

Tax Assessment & Valuation

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	$4,938.00 (+6.01%) Homeowner's exemption	$204,556 (+8.95%) Land $39,080 Building $165,476	$511,390 (+8.95%) Land $97,700 Building $413,690
2024	$4,658.00 (+3.12%) Homeowner's exemption	$187,756 (+6.49%) Land $33,680 Building $154,076	$469,390 (+6.49%) Land $84,200 Building $385,190
2023		$176,316 Land $33,680 Building $142,636	$440,790 Land $84,200 Building $356,590
2022	$4,517.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 30, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

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

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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