2108 Emory St NW, Covington, GA 30014 Property Records

Newton County property record for 2108 Emory St NW, Covington, GA 30014

Property Summary

Property Type	Apartments (5+ Units)
Details	5 bd · 3.5 ba · 4,718 sqft · built 1904
Lot Size	2.46 acres (107,158 sqft)
Owner	Company Name on Record
Tax Bill	$11,190 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C0260-00120-001-000`

Property Details

APN / Parcel Number

Primary APN	`C0260-00120-001-000`
Alternative APNs	`C026 0012 001` `38430`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	4,718 sqft Heated Area
1st Floor Area	2,104 sqft
Flooring	Softwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	107,158 sqft (2.46 acres)
Garage Area	500 sqft

Exterior Amenities

Porch	Slab
Porch Area	960 sqft
Shed	1 Shed
Shed Area	192 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	38430
Street Address	2108 EMORY ST NW
City	COVINGTON
State	GA
Zip	30014-2206
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R1
Legal Description	2.46AC 2108 EMORY ST
Legal Subdivision	MULTI-FAMILY APARTMENT COMPLEX
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	2
Census Block	2058
Census Tract	100400

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	Company Name on Record
Mailing Address	PO BOX 2659, COVINGTON, GA 30015-7659
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Construction Loan · Line of Credit BANK OF MONTICELLO
Dec 17, 2018	Trustee's Deed, Construction Loan · Line of Credit NEWTON FED'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2014
Deed Sale	Aug 15, 2014
Prior Sale	Aug 15, 2014 · Amount on Record
Deed Document Number	20142565
Deed Book / Page	3253 / 506
Prior Transfer Date	Aug 17, 2006
Prior Transfer Doc	0022630059
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Recording Date	Nov 16, 2020
Property Address	2108 EMORY ST NW, COVINGTON, GA 30014-2206
Document Number	0040980164
Book / Page	004098 / 000164
Instrument Date	Nov 16, 2020
Instrument	16690
Transaction Type	Construction Loan
Record Updated	Dec 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2141 EMORY ST NW COVINGTON GA 300142210, COVINGTON, GA 30014-2210

Mortgage

Document Number	40980164
Date	Nov 16, 2020
Book Page	004098/000164
Instrument	16690

Lender

Name	BANK OF MONTICELLO
Type	Bank
Address	MONTICELLO, GA 31064

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 15, 2021

Interest

Rate Type	Adjustable Rate

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 17, 2018
Property Address	2108 EMORY ST NW, COVINGTON, GA 30014-2206
Document Number	0037820066
Book / Page	003782 / 000066
Instrument Date	Dec 14, 2018
Instrument	15148
Transaction Type	Construction Loan
Record Updated	Jan 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2659 COVINGTON GA 300157659, COVINGTON, GA 30015-7659

Mortgage

Document Number	37820066
Date	Dec 17, 2018
Book Page	003782/000066
Instrument	15148

Lender

Name	NEWTON FED'L BK
Type	Bank
Address	COVINGTON, GA 30014

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Dec 16, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Newton County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Georgia
Municipality	Covington City
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	$11,190.00 (+13.78%)	$376,176 (+22.07%) Land $49,200 Building $326,976	$940,440 (+22.07%) Land $123,000 Building $817,440
2023		$308,176 Land $29,520 Building $278,656	$770,440 Land $73,800 Building $696,640
2022	$9,835.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Dec 2015 · 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	Low lower than 98% of the US · lower than 99.2% of Georgia
Wildfire Likelihood	Under 0.01% 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	COVINGTON serves 14,391 people · EPA ID GA2170001
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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