20 Harness Ln, Covington, GA 30016 Property Records

Newton County property record for 20 Harness Ln, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,218 sqft · built 2020
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$395,490 (Jan 2021)
Tax Bill	$5,206 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0031C-00000-028-000`

Property Details

APN / Parcel Number

Primary APN	`0031C-00000-028-000`
Alternative APNs	`0031C 028` `17544`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,218 sqft Heated Area
1st Floor Area	2,900 sqft
Basement Area	1,498 sqft
Unfinished Basement	1,498 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,314 sqft (0.65 acres)
Garage Area	784 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17544
Street Address	20 HARNESS LN
City	COVINGTON
State	GA
Zip	30016-6512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LT 28 PREAKNESS
Legal Subdivision	PREAKNESS
Legal Lot Number	28
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1007
Census Tract	100904

Owner

20 Harness Ln is owned and occupied by two individuals who bought it in January 2021.

Source: Newton County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 HARNESS LN, COVINGTON, GA 30016-6512
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
Oct 10, 2025	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Dec 27, 2023	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Jan 8, 2021	Warranty Deed, Transfer · FHA Mortgage CAPITAL CITY HOME LOANS
Aug 3, 2020	Deed of Trust, Construction Loan · Construction Mortgage SYNOVUS BK
Jun 21, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2021 · Amount on File
Deed Sale	Jan 8, 2021 · Amount on File
Prior Sale	Apr 28, 2014 · Amount on File
Deed Document Number	2021124
Deed Book / Page	4133 / 442
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	20 HARNESS LN, COVINGTON, GA 30016-6512
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HARNESS LN, COVINGTON, GA 30016-6512

Mortgage

Document Number	0047700000000595
Date	Oct 10, 2025
Book Page	0000004770/0000000595
Instrument	2025011507

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Jan 1, 2051

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	20 HARNESS LN, COVINGTON, GA 30016-6512
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HARNESS LN, COVINGTON, GA 30016-6512

Mortgage

Document Number	0045780000000741
Date	Dec 27, 2023
Book Page	0000004578/0000000741
Instrument	D2023014876

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Jan 8, 2021
Property Address	20 HARNESS LN, COVINGTON, GA 30016-6512
Document Number	0041330442
Book / Page	4133 / 442
Instrument Date	Jan 8, 2021
Instrument	2021-000124
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount on Record
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	20 HARNESS LN, COVINGTON, GA 30016-6512

Mortgage

Document Number	0041330000000443
Date	Jan 25, 2021
Book Page	0000004133/0000000443
Instrument	001381

Lender

Name	CAPITAL CITY HOME LOANS

Agreement

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

August 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Recording Date	Aug 3, 2020
Property Address	20 HARNESS LN, COVINGTON, GA 30016-6512
Document Number	0040460601
Book / Page	004046 / 000601
Instrument Date	Jul 29, 2020
Instrument	10650
Transaction Type	Construction Loan
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6621 BAY CIR #170 PEACHTREE CORNERS GA 300711238, 170, PEACHTREE CORNERS, GA 30071-1238
Investor	Possibly a Property Investor

Mortgage

Document Number	40460601
Date	Aug 3, 2020
Book Page	004046/000601
Instrument	10650

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 2, 2021

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Jun 21, 2019
Property Address	20 HARNESS LN, COVINGTON, GA 30016-6512
Document Number	0038550525
Book / Page	003855 / 000525
Instrument Date	Jun 10, 2019
Instrument	7640
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$905.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 HARNESS LN COVINGTON GA 300166512, COVINGTON, GA 30016-6512
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 20 Harness Ln was $5,206 with a homeowner's exemption.

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	$5,206.00 Homeowner's exemption	$213,320 Land $30,000 Building $183,320	$533,300 Land $75,000 Building $458,300
2023		$191,600 Land $26,000 Building $165,600	$479,000 Land $65,000 Building $414,000
2022	$4,693.00

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

FEMA maps place 20 Harness Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20 Harness Ln is moderate, ranking above 40% of the US, with a 0.07% 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	0.07% 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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