145 Paul Smith Rd, Covington, GA 30014 Property Records

Walton County property record for 145 Paul Smith Rd, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,678 sqft · built 2018
Lot Size	8.39 acres (365,904 sqft)
Owner	2 Individual Names on File
Last Sale	$78,000 (May 2017)
Tax Bill	$5,691 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C0650-025`

Property Details

APN / Parcel Number

Primary APN	`C0650-025`
Alternative APN	`5092`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,678 sqft Heated Area
1st Floor Area	2,329 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	365,904 sqft (8.39 acres)
Terrain	Rolling
Garage Area	506 sqft
Porch	Open Porch
Porch Area	377 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5092
Street Address	145 PAUL SMITH RD
City	COVINGTON
State	GA
Zip	30014-8512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 WP2
Legal Description	8.40AC TR#B
Legal Subdivision	TRACT B
Legal Tract	B
Legal Lot Number	B
Jurisdiction	WALTON GA
Township / Civil Division	JERSEY
Census Block Group	2
Census Block	2010
Census Tract	110602

Owner

145 Paul Smith Rd is owned and occupied by two individuals who acquired it in May 2017.

Source: Walton County records, as of March 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	145 PAUL SMITH RD, COVINGTON, GA 30014-8512
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
Apr 12, 2018	Deed of Trust, Mortgage UNITED BANK
Jul 25, 2019	Deed of Trust, Mortgage MORTGAGE FIRM
Nov 2, 2018	Deed of Trust, Mortgage NORTHPOINTE BK
May 11, 2017	Grant Deed, Transfer · Conventional Mortgage NORTHPOINTE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2017 · Amount on File
Deed Sale	May 10, 2017 · Amount on File
Deed Document Number	0004071122
Deed Book / Page	4071 / 122
Last Transfer Date	May 11, 2017
Transfer Doc	0040710122
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	145 PAUL SMITH RD, COVINGTON, GA 30014-8512
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042140260
Date	Apr 12, 2018
Book Page	4214/260

Lender

Name	UNITED BANK
Type	Bank

Agreement

Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	145 PAUL SMITH RD, COVINGTON, GA 30014-8512
Document Number	0044280028
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	145 PAUL SMITH RD COVINGTON GA 300148512, COVINGTON, GA 30014-8512

Mortgage

Document Number	0044280028
Date	Aug 9, 2019
Book Page	004428/000028
Instrument	9367

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	145 PAUL SMITH RD, COVINGTON, GA 30014-8512
Document Number	0043020376
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 29, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	145 PAUL SMITH RD COVINGTON GA 30014, COVINGTON, GA 30014

Mortgage

Document Number	0043020376
Date	Nov 5, 2018
Book Page	004302/000376
Instrument	12700

Lender

Name	NORTHPOINTE BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON GA
Recording Date	May 11, 2017
Property Address	145 PAUL SMITH RD, COVINGTON, GA 30014-8512
Document Number	0040710122
Book / Page	004071 / 000122
Instrument Date	May 10, 2017
Transaction Type	Transfer
Record Updated	May 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78.00
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	PAUL SMITH RD COVINGTON GA 30014, COVINGTON, GA 30014

Mortgage

Document Number	40710123
Date	May 11, 2017
Book Page	004071/000123

Lender

Name	NORTHPOINTE BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 145 Paul Smith Rd was $5,691 with a homeowner's exemption.

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,691.00 Homeowner's exemption	$225,200 Land $66,640 Building $158,560	$563,000 Land $166,600 Building $396,400
2023	$5,492.00 (-12.37%) Homeowner's exemption	$208,040 (+10.99%) Land $63,360 Building $144,680	$520,100 (+10.99%) Land $158,400 Building $361,700
2022	$6,267.00 Homeowner's exemption	$187,440 Land $59,320 Building $128,120	$468,600 Land $148,300 Building $320,300

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

Flood

FEMA maps place 145 Paul Smith Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective December 14, 2022 · 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 Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2015 · rainfall accumulation

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 145 Paul Smith Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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