155 Saddle Ln, Covington, GA 30016 Property Records

Newton County property record for 155 Saddle Ln, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,012 sqft · built 2004
Lot Size	0.769 acres (33,541 sqft)
Owner	Individual Name on File
Last Sale	$121,000 (Aug 2009)
Tax Bill	$2,906 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0090B-00000-031-000`

Property Details

APN / Parcel Number

Primary APN	`0090B-00000-031-000`
Alternative APNs	`0090B 031` `30761`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,012 sqft Heated Area
1st Floor Area	42 sqft
Flooring	Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.769 acres)
Garage Area	720 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	30761
Old Parcel Number	0090B 031
Street Address	155 SADDLE LN
City	COVINGTON
State	GA
Zip	30016-5840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 31 WILLOW SPGS RANCH P
Legal Subdivision	WILLOW SPRINGS RANCH
Legal Lot Number	31
Jurisdiction	NEWTON GA
Township / Civil Division	SOUTH NEWTON
Census Block Group	2
Census Block	2000
Census Tract	100802

Owner

155 Saddle Ln is owned and occupied by an individual who bought it in August 2009.

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

Owner of Record	Individual Name on File
Mailing Address	155 SADDLE LN, COVINGTON, GA 30016-5840
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
Aug 12, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT COM
Aug 18, 2017	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2009 · Amount on File
Deed Sale	Aug 6, 2009 · Amount on File
Prior Sale	Jun 15, 2009 · Amount on File
Deed Document Number	0002743410
Deed Book / Page	2743 / 410
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	155 SADDLE LN, COVINGTON, GA 30016-5840
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SADDLE LN, COVINGTON, GA 30016-5840

Mortgage

Document Number	0044230000000756
Date	Aug 12, 2022
Book Page	0000004423/0000000756
Instrument	013986

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2062

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	155 SADDLE LN, COVINGTON, GA 30016-5840
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SADDLE LN, COVINGTON, GA 30016-5840

Mortgage

Document Number	0042730000000009
Date	Oct 1, 2021
Book Page	0000004273/0000000009
Instrument	018825

Lender

Name	LOAN DEPOT COM

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEWTON GA
Property Address	155 SADDLE LN, COVINGTON, GA 30016-5840
Document Number	0036040234
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SADDLE LN COVINGTON GA 300165840, COVINGTON, GA 30016-5840

Mortgage

Document Number	0036040234
Date	Aug 31, 2017
Book Page	003604/000234
Instrument	9852

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	264 Months
Due	Aug 30, 2039

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 155 Saddle Ln was $2,906 with a homeowner's exemption, up 0.5% from the year before.

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	$2,906.00 (+0.48%) Homeowner's exemption	$119,600 (+3.35%) Land $17,600 Building $102,000	$299,000 (+3.35%) Land $44,000 Building $255,000
2024	$2,892.00 Homeowner's exemption	$115,720 (+1.12%) Land $17,600 Building $98,120	$289,300 (+1.12%) Land $44,000 Building $245,300
2023		$114,440 Land $6,200 Building $108,240	$286,100 Land $15,500 Building $270,600
2022	$2,957.00

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

Flood

FEMA maps place 155 Saddle Ln 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 155 Saddle Ln 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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