15 Saddlebrook Ln, Covington, GA 30016 Property Records

Newton County property record for 15 Saddlebrook Ln, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,733 sqft · built 2002
Lot Size	0.489 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Jul 2024)
Tax Bill	$3,806 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0026D-00000-001-000`

Property Details

APN / Parcel Number

Primary APN	`0026D-00000-001-000`
Alternative APNs	`0026D 001` `12209`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,733 sqft Heated Area
1st Floor Area	2,523 sqft
Flooring	Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Vinyl
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.489 acres)
Garage Area	210 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	35 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12209
Old Parcel Number	0026D 001
Street Address	15 SADDLEBROOK LN
City	COVINGTON
State	GA
Zip	30016-3070
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 1 SADDLEBROOK PH1 BLK
Legal Subdivision	SADDLEBROOK & MEADOWS AT SADDLEBROOK
Legal Phase	1
Legal Block	D
Legal Lot Number	1
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1009
Census Tract	100503

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	Individual Name on Record
Mailing Address	15 SADDLEBROOK LN, COVINGTON, GA 30016-3070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2024	Warranty Deed, Transfer · Conventional Mortgage RESOURCE FINANCIAL
Feb 28, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Mar 31, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2024 · Amount on Record
Deed Sale	Jul 18, 2024 · Amount on Record
Prior Sale	Dec 8, 2008 · Amount on Record
Deed Document Number	0004637496
Deed Book / Page	4637 / 496
Record Updated	Jun 8, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Jul 18, 2024
Property Address	15 SADDLEBROOK LN, COVINGTON, GA 30016-3070
Document Number	0046370496
Book / Page	4637 / 496
Instrument Date	Jul 1, 2024
Transaction Type	Transfer
Record Updated	Aug 9, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3.25
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SADDLEBROOK LN, COVINGTON, GA 30016-3070

Mortgage

Document Number	0004637498
Date	Jul 18, 2024
Instrument	4637/498

Lender

Name	RESOURCE FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2054

Mortgage

Document Number	0046370000000514
Date	Jul 18, 2024
Book Page	0000004637/0000000514

Lender

Name	RESOURCE FINANCIAL

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	15 SADDLEBROOK LN, COVINGTON, GA 30016-3070
Document Number	0039730462
Instrument Date	Feb 28, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SADDLEBROOK LN COVINGTON GA 300163070, COVINGTON, GA 30016-3070

Mortgage

Document Number	0039730462
Date	Mar 6, 2020
Book Page	003973/000462
Instrument	3147

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	15 SADDLEBROOK LN, COVINGTON, GA 30016-3070
Document Number	0036860236
Instrument Date	Mar 31, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SADDLEBROOK LN COVINGTON GA 300163070, COVINGTON, GA 30016-3070

Mortgage

Document Number	0036860236
Date	Apr 6, 2018
Book Page	003686/000236
Instrument	4226

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2048

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	$3,806.00 (+531.18%)	$151,000 (+8.73%) Land $18,000 Building $133,000	$377,500 (+8.73%) Land $45,000 Building $332,500
2024	$603.00 (-79.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$138,880 (+6.02%) Land $18,000 Building $120,880	$347,200 (+6.02%) Land $45,000 Building $302,200
2023		$131,000 Land $8,800 Building $122,200	$327,500 Land $22,000 Building $305,500
2022	$2,964.00

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.8% of Georgia
Wildfire Likelihood	0.01% 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	NEWTON CO. WATER-SEWERAGE AUTH serves 74,364 people · EPA ID GA2170004
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025

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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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