385 Five Oaks Dr, Covington, GA 30014 Property Records

Newton County property record for 385 Five Oaks Dr, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,256 sqft · built 1998
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,112 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0088A-00000-119-000`

Property Details

APN / Parcel Number

Primary APN	`0088A-00000-119-000`
Alternative APNs	`0088A 119` `30579`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,256 sqft Heated Area
1st Floor Area	1,256 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,836 sqft (1.19 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	30579
Street Address	385 FIVE OAKS DR
City	COVINGTON
State	GA
Zip	30014-0408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 57 FIVE OAKS UN 2
Legal Subdivision	FIVE OAKS & TWIN CHIMNEYS
Legal Lot Number	57
Legal Unit	2
Jurisdiction	NEWTON GA
Township / Civil Division	MANSFIELD
Census Block Group	2
Census Block	2026
Census Tract	100203

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	2 Individual Names on Record
Mailing Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL
Nov 21, 2023	Quit Claim Deed, Transfer · VA Mortgage NEW DAY FINANCIAL
Feb 27, 2023	Deed of Trust, Mortgage · VA Mortgage RELIANCE FIRST CAPITAL
Jul 23, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS
Nov 17, 2020	Loan Modification, Mortgage · Conventional Mortgage PLANET HM LNDG
Jan 18, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L
Dec 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2023
Deed Sale	Nov 21, 2023
Prior Sale	Mar 15, 2013 · Amount on Record
Deed Document Number	202313666
Deed Book / Page	4569 / 300
Prior Transfer Date	Nov 8, 2023
Prior Transfer Doc	0045690300
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Recording Date	Aug 20, 2026
Property Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408
Document Number	0000000100
Book / Page	4859 / 135
Instrument Date	May 18, 2026
Instrument	2026100
Transaction Type	Mortgage
Record Updated	Sep 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408

Mortgage

Document Number	0000000100,
Date	Aug 20, 2026
Book Page	4859/135
Instrument	2026100

Lender

Name	NEW DAY FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	May 1, 2055

Interest

Max Rate	-1%

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Nov 21, 2023
Property Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408
Document Number	0045690300
Book / Page	4569 / 300
Instrument Date	Nov 8, 2023
Instrument	D2023013666
Transaction Type	Transfer
Record Updated	Jan 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408

Mortgage

Document Number	0004569303
Date	Nov 21, 2023
Instrument	4569/303

Lender

Name	NEW DAY FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408

Mortgage

Document Number	0044820000000441
Date	Feb 27, 2023
Book Page	0000004482/0000000441
Instrument	002073

Lender

Name	RELIANCE FIRST CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408

Mortgage

Document Number	0042340000000568
Date	Jul 23, 2021
Book Page	0000004234/0000000568
Instrument	014059

Lender

Name	QUICKEN LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEWTON GA
Property Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408
Document Number	0041120754
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FIVE OAKS DR COVINGTON GA 300140408, COVINGTON, GA 30014-0408

Mortgage

Document Number	0041120754
Date	Dec 15, 2020
Book Page	004112/000754
Instrument	18384

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

Interest

Rate	3.37%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408
Document Number	0039570118
Instrument Date	Jan 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FIVE OAKS DR COVINGTON GA 300140408, COVINGTON, GA 30014-0408

Mortgage

Document Number	0039570118
Date	Feb 3, 2020
Book Page	003957/000118
Instrument	1468

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 10, 2019
Property Address	385 FIVE OAKS DR, COVINGTON, GA 30014-0408
Document Number	0039330142
Book / Page	003933 / 000142
Instrument Date	Dec 10, 2019
Instrument	16173
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 FIVE OAKS DR COVINGTON GA 300140408, COVINGTON, GA 30014-0408

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	$2,112.00 (-11.71%) Homeowner's exemption Senior Citizen's exemption	$104,720 (+9.27%) Land $12,000 Building $92,720	$261,800 (+9.27%) Land $30,000 Building $231,800
2023		$95,840 (+21.5%) Land $9,000 Building $86,840	$239,600 (+21.5%) Land $22,500 Building $217,100
2022	$2,392.00 Homeowner's exemption	$78,880 Land $9,000 Building $69,880	$197,200 Land $22,500 Building $174,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.08% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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