45 Carmel Dr, Covington, GA 30016 Property Records

Newton County property record for 45 Carmel Dr, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,319 sqft · built 2005
Lot Size	3.44 acres (149,846 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Jul 2019)
Tax Bill	$2,711 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0008A-00000-041-000`

Property Details

APN / Parcel Number

Primary APN	`0008A-00000-041-000`
Alternative APNs	`0008A 041` `2532`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,319 sqft Heated Area
1st Floor Area	1,581 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	149,846 sqft (3.44 acres)
Garage Area	969 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	19 sqft
Deck Area	130 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2532
Old Parcel Number	0008A 041
Street Address	45 CARMEL DR
City	COVINGTON
State	GA
Zip	30016-7811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 42 COLDWATER CREEK LL1
Legal Subdivision	COLDWATER CREEK
Legal Lot Number	42
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	3
Census Block	3002
Census Tract	100904

Owner

45 Carmel Dr is owned and occupied by an individual who bought it in July 2019.

Source: Newton County records, as of December 15, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	45 CARMEL DR, COVINGTON, GA 30016-7811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jul 17, 2019	Grant Deed, Transfer · Conventional with PMI DIAMOND RESID'L MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Prior Sale	Jan 31, 2005 · Amount on File
Deed Document Number	0003867288
Deed Book / Page	3867 / 288
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	45 CARMEL DR, COVINGTON, GA 30016-7811
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CARMEL DR, COVINGTON, GA 30016-7811

Mortgage

Document Number	0041500000000549
Date	Mar 1, 2021
Book Page	0000004150/0000000549
Instrument	003627

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Jul 17, 2019
Property Address	45 CARMEL DR, COVINGTON, GA 30016-7811
Document Number	0038670288
Book / Page	003867 / 000288
Instrument Date	Jul 3, 2019
Instrument	8937
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CARMEL DR COVINGTON GA 300167811, COVINGTON, GA 30016-7811

Mortgage

Document Number	38670290
Date	Jul 17, 2019
Book Page	003867/000290
Instrument	8938

Lender

Name	DIAMOND RESID'L MTG
Type	Mortgage Company
Address	LAKE FOREST, IL 60045

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 45 Carmel Dr was $2,711 with exemptions applied.

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	$2,711.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$149,200 Land $23,760 Building $125,440	$373,000 Land $59,400 Building $313,600
2023		$134,440 (+21.47%) Land $11,880 Building $122,560	$336,100 (+21.47%) Land $29,700 Building $306,400
2022	$3,356.00 Homeowner's exemption	$110,680 Land $11,880 Building $98,800	$276,700 Land $29,700 Building $247,000

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 45 Carmel Dr in Zone X, an area of minimal flood risk.

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

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 45 Carmel Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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