440 Radcliffe Trce, Covington, GA 30016 Property Records

Newton County property record for 440 Radcliffe Trce, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,469 sqft · built 1993
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (May 2021)
Tax Bill	$2,839 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`00130-00000-375-000`

Property Details

APN / Parcel Number

Primary APN	`00130-00000-375-000`
Alternative APNs	`0013 375` `5493`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,469 sqft Heated Area
1st Floor Area	1,469 sqft
Basement Area	1,211 sqft
Finished Basement	596 sqft
Unfinished Basement	1,211 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Composition/Composite
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,185 sqft (0.67 acres)
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	5493
Street Address	440 RADCLIFFE TRCE
City	COVINGTON
State	GA
Zip	30016-1760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT44 PH2 RADCLIFFE TRACE
Legal Subdivision	RADCLIFFE TRACE
Legal Phase	2
Legal Lot Number	44
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1010
Census Tract	100903

Owner

440 Radcliffe Trce is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760
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
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit BAXTER CREDIT UNION
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CREDIT UNION
May 27, 2021	Warranty Deed, Transfer
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 26, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2021 · Amount on File
Deed Sale	May 27, 2021 · Amount on File
Prior Sale	Apr 6, 2001 · Amount on File
Deed Document Number	20212915
Deed Book / Page	4204 / 434
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760

Mortgage

Document Number	0047710000000428
Date	Oct 15, 2025
Book Page	0000004771/0000000428
Instrument	2025011641

Lender

Name	BAXTER CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2035

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760
Transaction Type	Mortgage
Record Updated	Jan 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760

Mortgage

Document Number	0042040000000436
Date	Jun 1, 2021
Book Page	0000004204/0000000436
Instrument	010244

Lender

Name	BAXTER CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2041

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	May 27, 2021
Property Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760
Document Number	0042040434
Book / Page	4204 / 434
Instrument Date	May 27, 2021
Instrument	2021-002915
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760
Document Number	0040420514
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 RADCLIFFE TRCE COVINGTON GA 300161760, COVINGTON, GA 30016-1760

Mortgage

Document Number	0040420514
Date	Jul 28, 2020
Book Page	004042/000514
Instrument	10156

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	440 RADCLIFFE TRCE, COVINGTON, GA 30016-1760
Document Number	0036190352
Book / Page	003619 / 000352
Instrument Date	Sep 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 RADCLIFFE TRCE COVINGTON GA 300161760, COVINGTON, GA 30016-1760

Mortgage

Document Number	0036190352
Date	Oct 10, 2017
Book Page	003619/000352
Instrument	11456

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 440 Radcliffe Trce was $2,839.

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	$2,839.00	$112,800 Land $16,800 Building $96,000	$282,000 Land $42,000 Building $240,000
2023		$98,160 Land $8,000 Building $90,160	$245,400 Land $20,000 Building $225,400
2022	$2,697.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 440 Radcliffe Trce in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.

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
Nearby Flood Claims	2 (2005–2009)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2009 · rainfall accumulation

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

Wildfire risk around 440 Radcliffe Trce is low, with a 0.03% 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	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROCKDALE CO. WATER SYSTEM serves 87,156 people · EPA ID GA2470000
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

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