320 Spring Lake Ter, Covington, GA 30016 Property Records

Newton County property record for 320 Spring Lake Ter, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,538 sqft · built 2005
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$132,150 (May 2018)
Tax Bill	$2,355 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0013F-00000-070-000`

Property Details

APN / Parcel Number

Primary APN	`0013F-00000-070-000`
Alternative APNs	`0013F 070` `6746`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,538 sqft Heated Area
1st Floor Area	1,538 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	6746
Street Address	320 SPRING LAKE TER
City	COVINGTON
State	GA
Zip	30016-1376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT570 THE VILLAGES AT ELL
Legal Subdivision	THE VILLAGES AT ELLINGTON
Legal Lot Number	570
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	3
Census Block	3002
Census Tract	100903

Owner

320 Spring Lake Ter is owned and occupied by an individual who bought it in May 2018.

Source: Newton County records, as of December 16, 2025

Owner of Record	Individual Name on File
Mailing Address	320 SPRING LAKE TER, COVINGTON, GA 30016-1376
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
Mar 2, 2023	Deed of Trust, Mortgage · Line of Credit FEDERAL SAVINGS BANK
Feb 8, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES
May 21, 2018	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS
May 21, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2018 · Amount on File
Deed Sale	May 18, 2018 · Amount on File
Prior Sale	Oct 12, 2005 · Amount on File
Deed Document Number	20181987
Deed Book / Page	3702 / 374
Prior Transfer Date	May 27, 2010
Prior Transfer Doc	0028330466
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	320 SPRING LAKE TER, COVINGTON, GA 30016-1376
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 SPRING LAKE TER, COVINGTON, GA 30016-1376

Mortgage

Document Number	0044840000000448
Date	Mar 2, 2023
Book Page	0000004484/0000000448
Instrument	002313

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	320 SPRING LAKE TER, COVINGTON, GA 30016-1376
Transaction Type	Mortgage
Record Updated	Mar 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 SPRING LAKE TER, COVINGTON, GA 30016-1376

Mortgage

Document Number	0043390000000486
Date	Feb 8, 2022
Book Page	0000004339/0000000486
Instrument	002252

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

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

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	May 21, 2018
Property Address	320 SPRING LAKE TER, COVINGTON, GA 30016-1376
Document Number	0037020374
Book / Page	003702 / 000374
Instrument Date	May 18, 2018
Instrument	6063
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 SPRING LAKE TER COVINGTON GA 300161376, COVINGTON, GA 30016-1376

Mortgage

Document Number	37020376
Date	May 21, 2018
Book Page	003702/000376
Instrument	6064

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 20, 2048

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	NEWTON GA
Recording Date	May 21, 2018
Property Address	320 SPRING LAKE TER, COVINGTON, GA 30016-1376
Document Number	0037020368
Book / Page	003702 / 000368
Instrument Date	May 18, 2018
Instrument	6061
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 SPRING LAKE TER COVINGTON GA 300161376, COVINGTON, GA 30016-1376

Tax Assessment & Valuation

The 2025 property tax bill for 320 Spring Lake Ter was $2,355 with exemptions applied.

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	$2,355.00 Homeowner's exemption Senior Citizen's exemption	$113,200 Land $16,000 Building $97,200	$283,000 Land $40,000 Building $243,000
2023		$110,160 Land $7,200 Building $102,960	$275,400 Land $18,000 Building $257,400
2022	$2,449.00

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

Flood

FEMA maps place 320 Spring Lake Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 30, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 320 Spring Lake Ter is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Georgia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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