20 Cheryl Ter, Covington, GA 30016 Property Records

Newton County property record for 20 Cheryl Ter, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1968
Lot Size	0.39 acres (16,988 sqft)
Owner	Company Name on Record
Last Sale	$70,000 (May 2025)
Tax Bill	$1,305 (2022)
Deeds & Mortgages	Jul 2025 Sale & Second Mortgage May 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0028A-00000-016-000`

Property Details

APN / Parcel Number

Primary APN	`0028A-00000-016-000`
Alternative APNs	`0028A 016` `15496`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	896 sqft Heated Area
1st Floor Area	896 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1992
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Porch	Slab
Porch Area	84 sqft
Storage Building	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	15496
Street Address	20 CHERYL TER
City	COVINGTON
State	GA
Zip	30016-4314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	0.389 AC LL93 LD10 CHERYL
Legal Subdivision	R3 MISC LAND - AREA 6
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	2
Census Block	2001
Census Tract	100507

Owner

Source: Newton County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	878 PEACHTREE ST NE, ATLANTA, GA 30309-4412
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage MORTGAGE RESEARCH CENTER
May 29, 2025	Special Warranty Deed, Transfer · Conventional Mortgage NAC3 INVESTMENTS
May 19, 2021	Warranty Deed, Transfer
Aug 9, 2019	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2025 · Amount on Record
Deed Sale	May 29, 2025 · Amount on Record
Prior Sale	May 19, 2021
Deed Book / Page	4732 / 364
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Jul 30, 2025
Property Address	20 CHERYL TER, COVINGTON, GA 30016-4314
Document Number	0047490558
Book / Page	4749 / 558
Instrument Date	Jul 30, 2025
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1.35
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHERYL TER, COVINGTON, GA 30016-4314

Mortgage

Document Number	2025010134
Date	Jul 30, 2025
Instrument	2025010134

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2055

Mortgage

Document Number	0047490000000561
Date	Jul 30, 2025
Book Page	0000004749/0000000561

Lender

Name	MORTGAGE RESEARCH CENTER DBA VETERANS UN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

May 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	May 29, 2025
Property Address	20 CHERYL TER, COVINGTON, GA 30016-4314
Document Number	0047320364
Book / Page	4732 / 364
Instrument Date	May 29, 2025
Transaction Type	Transfer
Record Updated	Oct 13, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	878 PEACHTREE ST NE, ATLANTA, GA 30309-4412
Investor	Possibly a Property Investor

Mortgage

Document Number	0004732367
Date	May 29, 2025
Instrument	4732/367

Lender

Name	NAC3 INVESTMENTS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	8 Months
Due	Jan 1, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	May 19, 2021
Property Address	20 CHERYL TER, COVINGTON, GA 30016-4314
Document Number	0042100500
Book / Page	4210 / 500
Instrument Date	May 19, 2021
Instrument	2021-002872
Transaction Type	Transfer
Record Updated	Oct 13, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHERYL TER, COVINGTON, GA 30016-4314

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Aug 9, 2019
Property Address	20 CHERYL TER, COVINGTON, GA 30016-4314
Document Number	0038790067
Book / Page	003879 / 000067
Instrument Date	Aug 1, 2019
Instrument	10293
Transaction Type	Transfer
Record Updated	Sep 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHERYL TER COVINGTON GA 300164314, COVINGTON, GA 30016-4314

Mortgage

Document Number	38790068
Date	Aug 9, 2019
Book Page	003879/000068
Instrument	10294

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$62,320 (+4.63%) Land $9,080 Building $53,240	$155,800 (+4.63%) Land $22,700 Building $133,100
2024	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$59,560 (+8.21%) Land $5,160 Building $54,400	$148,900 (+8.21%) Land $12,900 Building $136,000
2023		$55,040 Land $5,160 Building $49,880	$137,600 Land $12,900 Building $124,700
2022	$1,305.00

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

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 64% of the US · lower than 87% 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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