45 Bermuda Run Dr, Covington, GA 30016 Property Records

Newton County property record for 45 Bermuda Run Dr, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,114 sqft · built 1997
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$164,246 (Jan 2019)
Tax Bill	$2,856 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00260-00000-203-000`

Property Details

APN / Parcel Number

Primary APN	`00260-00000-203-000`
Alternative APNs	`0026 203` `11695`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,114 sqft Heated Area
1st Floor Area	1,898 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	11695
Street Address	45 BERMUDA RUN DR
City	COVINGTON
State	GA
Zip	30016-7617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT75 BERMUDA RUN
Legal Subdivision	BERMUDA RUN
Legal Lot Number	75
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1004
Census Tract	100505

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	Individual Name on Record
Mailing Address	45 BERMUDA RUN DR, COVINGTON, GA 30016-7617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DELTA COMMUNITY CREDIT UNION
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES
Sep 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Jan 17, 2019	Grant Deed, Transfer · FHA Mortgage HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2019 · Amount on Record
Deed Sale	Jan 11, 2019 · Amount on Record
Prior Sale	Oct 29, 2001 · Amount on Record
Deed Document Number	2019245
Deed Book / Page	3794 / 23
Prior Transfer Date	Dec 7, 2018
Prior Transfer Doc	0037780478
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	45 BERMUDA RUN DR, COVINGTON, GA 30016-7617
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERMUDA RUN DR, COVINGTON, GA 30016-7617

Mortgage

Document Number	0045960000000231
Date	Mar 1, 2024
Book Page	0000004596/0000000231
Instrument	D202400

Lender

Name	DELTA COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2039

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	45 BERMUDA RUN DR, COVINGTON, GA 30016-7617
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERMUDA RUN DR, COVINGTON, GA 30016-7617

Mortgage

Document Number	0042280000000548
Date	Jul 13, 2021
Book Page	0000004228/0000000548
Instrument	013156

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	45 BERMUDA RUN DR, COVINGTON, GA 30016-7617
Document Number	0040910695
Instrument Date	Sep 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERMUDA RUN DR COVINGTON GA 300167617, COVINGTON, GA 30016-7617

Mortgage

Document Number	0040910695
Date	Nov 3, 2020
Book Page	004091/000695
Instrument	15772

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Jan 17, 2019
Property Address	45 BERMUDA RUN DR, COVINGTON, GA 30016-7617
Document Number	0037940023
Book / Page	003794 / 000023
Instrument Date	Jan 11, 2019
Instrument	706
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERMUDA RUN DR COVINGTON GA 300167617, COVINGTON, GA 30016-7617

Mortgage

Document Number	37940024
Date	Jan 17, 2019
Book Page	003794/000024
Instrument	707

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2049

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	$2,856.00 (+10.1%) Homeowner's exemption	$117,960 (+5.21%) Land $18,000 Building $99,960	$294,900 (+5.21%) Land $45,000 Building $249,900
2023		$112,120 Land $8,400 Building $103,720	$280,300 Land $21,000 Building $259,300
2022	$2,594.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 64% of the US · lower than 87% of Georgia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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