1659 Lower River Rd, Covington, GA 30016 Property Records

Newton County property record for 1659 Lower River Rd, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,376 sqft · built 2019
Lot Size	10.5 acres (460,429 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Nov 2024)
Tax Bill	$3,342 (2025)
Deeds & Mortgages	Nov 2024 Sale Jun 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`00480-00000-084-000`

Property Details

APN / Parcel Number

Primary APN	`00480-00000-084-000`
Alternative APN	`45528`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,376 sqft Heated Area
1st Floor Area	2,072 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	460,429 sqft (10.5 acres)
View / Lot	Flood Plain/Flood Zone
Garage Area	824 sqft
Porch	Slab
Porch Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45528
Street Address	1659 LOWER RIVER RD
City	COVINGTON
State	GA
Zip	30016-8285
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10.57 AC LT 58 RIVERBEND
Legal Subdivision	R5 MISC LAND - AREA 7
Legal Lot Number	58
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	2
Census Block	2058
Census Tract	100600

Owner

Source: Newton County records, as of December 16, 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	1659 LOWER RIVER RD, COVINGTON, GA 30016-8285
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage AGSOUTH FARM CREDIT
Nov 27, 2019	Deed of Trust, Mortgage FARM CREDIT SVCS
May 1, 2019	Quit Claim Deed, Construction Loan · Line of Credit FARM CREDIT SVCS
Dec 1, 2017	Grant Deed, Transfer · Conventional with PMI FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2024 · Amount on Record
Deed Sale	Nov 5, 2024 · Amount on Record
Prior Sale	Nov 5, 2024 · Amount on Record
Deed Document Number	202411756
Deed Book / Page	4672 / 456
Prior Transfer Date	Oct 25, 2024
Prior Transfer Doc	0046720456
Record Updated	Oct 29, 2026

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Nov 5, 2024
Property Address	1659 LOWER RIVER RD, COVINGTON, GA 30016-8285
Document Number	0046720456
Book / Page	4672 / 456
Instrument Date	Oct 25, 2024
Instrument	D2024-011756
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1659 LOWER RIVER RD, COVINGTON, GA 30016-8285

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	1659 LOWER RIVER RD, COVINGTON, GA 30016-8285
Transaction Type	Mortgage
Record Updated	Aug 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1659 LOWER RIVER RD, COVINGTON, GA 30016-8285

Mortgage

Document Number	0042180000000739
Date	Jun 28, 2021
Book Page	0000004218/0000000739
Instrument	012036

Lender

Name	AGSOUTH FARM CREDIT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2041

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	1659 LOWER RIVER RD, COVINGTON, GA 30016-8285
Document Number	0039320400
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1659 LOWER RIVER RD COVINGTON GA 300168285, COVINGTON, GA 30016-8285

Mortgage

Document Number	0039320400
Date	Dec 9, 2019
Book Page	003932/000400
Instrument	16102

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	STATESBORO, GA 30459

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

May 2019: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	May 1, 2019
Property Address	1659 LOWER RIVER RD, COVINGTON, GA 30016-8285
Document Number	0038340320
Book / Page	003834 / 000320
Instrument Date	Apr 26, 2019
Instrument	5333
Transaction Type	Construction Loan
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1659 LOWER RIVER RD COVINGTON GA 30016, COVINGTON, GA 30016

Mortgage

Document Number	38340323
Date	May 1, 2019
Book Page	003834/000323
Instrument	5334

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	STATESBORO, GA 30459-0718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 30, 2020

Interest

Rate Type	Adjustable Rate

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 1, 2017
Property Address	1659 LOWER RIVER RD, COVINGTON, GA 30016-8285
Document Number	0036380208
Book / Page	003638 / 000208
Instrument Date	Nov 17, 2017
Instrument	13507
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36380210
Date	Dec 1, 2017
Book Page	003638/000210
Instrument	13508

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	STATESBORO, GA 30459-0718

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Nov 30, 2032

Tax Assessment & Valuation

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	$3,342.00 (-55.36%)	$170,520 (+23.82%) Land $39,600 Building $130,920	$426,300 (+23.82%) Land $99,000 Building $327,300
2023		$137,720 Land $39,600 Building $98,120	$344,300 Land $99,000 Building $245,300
2022	$7,487.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	0.07% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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