430 Five Oaks Dr, Covington, GA 30014 Property Records

Newton County property record for 430 Five Oaks Dr, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,613 sqft · built 1999
Lot Size	1.83 acres (79,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$98,900 (Apr 1999)
Tax Bill	$1,920 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0088A-00000-113-000`

Property Details

APN / Parcel Number

Primary APN	`0088A-00000-113-000`
Alternative APNs	`0088A 113` `30573`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,613 sqft Heated Area
1st Floor Area	1,613 sqft
Flooring	Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	79,715 sqft (1.83 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	30573
Old Parcel Number	0088A 113
Street Address	430 FIVE OAKS DR
City	COVINGTON
State	GA
Zip	30014-0414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 51 FIVE OAKS UN 2
Legal Subdivision	FIVE OAKS & TWIN CHIMNEYS
Legal Lot Number	51
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 15, 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	430 FIVE OAKS DR, COVINGTON, GA 30014-0414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQUITY
Aug 1, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 1999 · Amount on Record
Deed Sale	Apr 5, 1999 · Amount on Record
Deed Document Number	0000008151
Deed Book / Page	815 / 1
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	430 FIVE OAKS DR, COVINGTON, GA 30014-0414
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 FIVE OAKS DR, COVINGTON, GA 30014-0414

Mortgage

Document Number	0041640000000481
Date	Mar 24, 2021
Book Page	0000004164/0000000481
Instrument	005259

Lender

Name	SPRING EQUITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	430 FIVE OAKS DR, COVINGTON, GA 30014-0414
Document Number	0036010077
Book / Page	003601 / 000077
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 FIVE OAKS DR COVINGTON GA 300140414, COVINGTON, GA 30014-0414

Mortgage

Document Number	0036010077
Date	Aug 23, 2017
Book Page	003601/000077
Instrument	9496

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 22, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Newton County assessment roll, as of July 1, 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	$1,920.00 (+7.08%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$119,800 (+8.63%) Land $12,000 Building $107,800	$299,500 (+8.63%) Land $30,000 Building $269,500
2024	$1,793.00 (-33.94%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$110,280 (+0.66%) Land $12,000 Building $98,280	$275,700 (+0.66%) Land $30,000 Building $245,700
2023		$109,560 Land $9,000 Building $100,560	$273,900 Land $22,500 Building $251,400
2022	$2,714.00

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 A, within 100 ft
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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