431 Ridgeway Rd, Covington, GA 30014 Property Records

Newton County property record for 431 Ridgeway Rd, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,100 sqft · built 1973
Lot Size	2.07 acres (90,169 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Nov 2018)
Tax Bill	$2,370 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00990-00000-024-000`

Property Details

APN / Parcel Number

Primary APN	`00990-00000-024-000`
Alternative APNs	`0099 024` `31671`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,100 sqft Heated Area
1st Floor Area	870 sqft
Utility Area	56 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1985
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	90,169 sqft (2.07 acres)
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	31671
Street Address	431 RIDGEWAY RD
City	COVINGTON
State	GA
Zip	30014-4875
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 15 RIDGEWAY UNIT 1
Legal Subdivision	NEWTON RIDGE, RIDGEWAY, KAY CIRCLE, TAME
Legal Lot Number	15
Legal Unit	1
Jurisdiction	NEWTON GA
Township / Civil Division	MANSFIELD
Census Block Group	1
Census Block	1003
Census Tract	100204

Owner

Source: Newton County assessment roll, 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 File
Mailing Address	5134 HAYNES CT NE, COVINGTON, GA 30014-1425
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2020	Deed of Trust, Mortgage HOMESTAR FIN'L
Nov 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 21, 2018	Grant Deed, Construction Loan · Construction Mortgage BANK OF MADISON

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2018 · Amount on Record
Deed Sale	Nov 15, 2018 · Amount on Record
Prior Sale	Aug 30, 2004
Deed Document Number	20184551
Deed Book / Page	3773 / 246
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	431 RIDGEWAY RD, COVINGTON, GA 30014-4875
Document Number	0039910520
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 RIDGEWAY RD COVINGTON GA 300144875, COVINGTON, GA 30014-4875

Mortgage

Document Number	0039910520
Date	Apr 17, 2020
Book Page	003991/000520
Instrument	5036

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Nov 21, 2018
Property Address	431 RIDGEWAY RD, COVINGTON, GA 30014-4875
Document Number	0037730248
Book / Page	003773 / 000248
Instrument Date	Nov 15, 2018
Instrument	14177
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 RIDGEWAY RD COVINGTON GA 300144875, COVINGTON, GA 30014-4875

November 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Nov 21, 2018
Property Address	431 RIDGEWAY RD, COVINGTON, GA 30014-4875
Document Number	0037730246
Book / Page	003773 / 000246
Instrument Date	Nov 13, 2018
Instrument	14176
Transaction Type	Construction Loan
Record Updated	Dec 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$125.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 RIDGEWAY RD COVINGTON GA 300144875, COVINGTON, GA 30014-4875

Mortgage

Document Number	37730249
Date	Nov 21, 2018
Book Page	003773/000249
Instrument	14178

Lender

Name	BANK OF MADISON
Type	Bank
Address	MADISON, GA 30650

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 20, 2019

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	$2,370.00 (-0.08%)	$95,280 (+1.75%) Land $20,160 Building $75,120	$238,200 (+1.75%) Land $50,400 Building $187,800
2024	$2,372.00 (+13.49%)	$93,640 (+12.33%) Land $24,000 Building $69,640	$234,100 (+12.33%) Land $60,000 Building $174,100
2023		$83,360 Land $12,000 Building $71,360	$208,400 Land $30,000 Building $178,400
2022	$2,090.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Low lower than 63% of the US · lower than 84% of Georgia
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: T-Mobile USA.

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