18 Whispering Pine Dr, Covington, GA 30016 Property Records

Newton County property record for 18 Whispering Pine Dr, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,422 sqft · built 2002
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Feb 2022)
Tax Bill	$3,325 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jan 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0015A-00000-075-000`

Property Details

APN / Parcel Number

Primary APN	`0015A-00000-075-000`
Alternative APNs	`0015A 075` `8459`

Interior

Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,422 sqft Heated Area
1st Floor Area	1,422 sqft
Basement Area	1,492 sqft
Finished Basement	1,492 sqft
Unfinished Basement	750 sqft
Utility Area	120 sqft
Utility Room	Utility Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	32 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8459
Street Address	18 WHISPERING PINE DR
City	COVINGTON
State	GA
Zip	30016-4295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1AC WHISPERING PINES
Legal Subdivision	WHISPERING PINES
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	2
Census Block	2004
Census Tract	100902

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	Individual Name on Record
Mailing Address	18 WHISPERING PINE DR, COVINGTON, GA 30016-4295
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · Conventional Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Jan 31, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL
Jun 18, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jun 18, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
Jan 15, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2022 · Amount on Record
Deed Sale	Feb 9, 2022 · Amount on Record
Prior Sale	May 7, 2019 · Amount on Record
Deed Document Number	2022686
Deed Book / Page	4340 / 485
Prior Transfer Date	Jul 1, 2019
Prior Transfer Doc	0038650497
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	18 WHISPERING PINE DR, COVINGTON, GA 30016-4295
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 WHISPERING PINES DR, NEWBORN, GA 30056-3146

Mortgage

Document Number	0045820000000666
Date	Jan 11, 2024
Book Page	0000004582/0000000666

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Jan 31, 2022
Property Address	18 WHISPERING PINE DR, COVINGTON, GA 30016-4295
Document Number	0043400485
Book / Page	4340 / 485
Instrument Date	Jan 31, 2022
Instrument	2022-000686
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 WHISPERING PINE DR, COVINGTON, GA 30016-4295

Mortgage

Document Number	0043400000000487
Date	Feb 9, 2022
Book Page	0000004340/0000000487
Instrument	002392

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Jun 18, 2019
Property Address	18 WHISPERING PINE DR, COVINGTON, GA 30016-4295
Document Number	0038530426
Book / Page	003853 / 000426
Instrument Date	May 7, 2019
Instrument	7381
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

June 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	NEWTON GA
Recording Date	Jun 18, 2019
Property Address	18 WHISPERING PINE DR, COVINGTON, GA 30016-4295
Document Number	0038530416
Book / Page	003853 / 000416
Instrument Date	May 7, 2019
Instrument	7380
Transaction Type	Foreclosure
Record Updated	Jul 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$135.30
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	18 WHISPERING PINES DR COVINGTON GA 300164295, COVINGTON, GA 30016-4295
Investor	Possibly a Property Investor

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Jan 15, 2019
Property Address	18 WHISPERING PINE DR, COVINGTON, GA 30016-4295
Document Number	0037930336
Book / Page	003793 / 000336
Instrument Date	Jan 15, 2019
Instrument	648
Transaction Type	Transfer
Record Updated	Mar 1, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	18 WHISPERING PINES DR COVINGTON GA 300164295, COVINGTON, GA 30016-4295

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	$3,325.00 (+30.24%)	$131,720 (+24.31%) Land $13,600 Building $118,120	$329,300 (+24.31%) Land $34,000 Building $295,300
2023		$105,960 Land $6,000 Building $99,960	$264,900 Land $15,000 Building $249,900
2022	$2,553.00

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 · 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 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · other causes

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	Low lower than 65% of the US · lower than 88% of Georgia
Wildfire Likelihood	0.05% 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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