Newton County property record for 415 Oak Ter Dr, Covington, GA 30016
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,152 sqft · built 2007 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $187,100 (May 2008) |
| Tax Bill | $3,260 (2025) |
| Deeds & Mortgages | Nov 2019 Loan Modification Sep 2017 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0026G-00000-147-000 |
| Primary APN | 0026G-00000-147-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,152 sqft Heated Area |
| 1st Floor Area | 186 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 650 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 12590 |
|---|---|
| Old Parcel Number | 0026G 147 |
| Street Address | 415 OAK TERRACE DR |
| City | COVINGTON |
| State | GA |
| Zip | 30016-0283 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 147 OAKWOOD MANOR UNII |
| Legal Subdivision | OAKWOOD MANOR |
| Legal Lot Number | 147 |
| Jurisdiction | NEWTON GA |
| Township / Civil Division | COVINGTON-PORTERDALE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 100506 |
415 Oak Ter Dr is owned and occupied by an individual who bought it in May 2008.
Source: Newton County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 415 OAK TERRACE DR, COVINGTON, GA 30016-0283 |
| 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.
| Date | Document |
|---|---|
| Nov 7, 2019 | Loan Modification, Mortgage · FHA Mortgage M&T BK |
| Sep 12, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Sep 12, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2008 · Amount on File |
| Deed Sale | May 9, 2008 · Amount on File |
| Deed Document Number | 0002604460 |
| Deed Book / Page | 2604 / 460 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 415 OAK TERRACE DR, COVINGTON, GA 30016-0283 |
| Document Number | 0039370104 |
| Instrument Date | Nov 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 415 OAK TERRACE DR COVINGTON GA 300160283, COVINGTON, GA 30016-0283 |
| Document Number | 0039370104 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 003937/000104 |
| Instrument | 16591 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 17, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 415 OAK TERRACE DR, COVINGTON, GA 30016-0283 |
| Document Number | 0036200417 |
| Instrument Date | Sep 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Address | 415 OAK TERRACE DR COVINGTON GA 300160283, COVINGTON, GA 30016-0283 |
| Document Number | 0036200417 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 003620/000417 |
| Instrument | 11594 |
| Name | WELLS FARGO BK |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 11, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 415 OAK TERRACE DR, COVINGTON, GA 30016-0283 |
| Document Number | 0036120562 |
| Instrument Date | Sep 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 415 OAK TERRACE DR COVINGTON GA 300160283, COVINGTON, GA 30016-0283 |
| Document Number | 0036120562 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | 003612/000562 |
| Instrument | 10743 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410-8000 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 24, 2047 |
The 2025 property tax bill for 415 Oak Ter Dr was $3,260 with a homeowner's exemption, down 3.8% from the year before.
Source: Newton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Newton County |
| Unified School District | Newton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,260.00 (-3.83%) Homeowner's exemption | $132,960 (-2.09%) Land $20,000 Building $112,960 | $332,400 (-2.09%) Land $50,000 Building $282,400 |
| 2024 | $3,390.00 Homeowner's exemption | $135,800 (+3.66%) Land $20,000 Building $115,800 | $339,500 (+3.66%) Land $50,000 Building $289,500 |
| 2023 | $131,000 Land $8,000 Building $123,000 | $327,500 Land $20,000 Building $307,500 | |
| 2022 | $3,243.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Oak Ter Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.
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 | 3 in force |
| Nearby Flood Claims | 2 (2009–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 risk around 415 Oak Ter Dr is moderate, ranking above 43% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 61% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures