Newton County property record for 45 Champion Ln, Covington, GA 30016
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,502 sqft · built 2005 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,600 (Dec 2005) |
| Tax Bill | $2,912 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Sep 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0026D-00000-070-000 |
| Primary APN | 0026D-00000-070-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,502 sqft Heated Area |
| 1st Floor Area | 1,502 sqft |
| Basement Area | 1,337 sqft |
| Finished Basement | 1,337 sqft |
| Utility Area | 161 sqft |
| Utility Room | Utility Room |
| Flooring | Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Split Level |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.289 acres) |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 32 sqft |
| Patio Area | 152 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 12278 |
|---|---|
| Old Parcel Number | 0026D 070 |
| Street Address | 45 CHAMPION LN |
| City | COVINGTON |
| State | GA |
| Zip | 30016-3110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 174 SADDLEBROOK PH2 UN |
| Legal Subdivision | SADDLEBROOK & MEADOWS AT SADDLEBROOK |
| Legal Phase | 2 |
| Legal Lot Number | 174 |
| Jurisdiction | NEWTON GA |
| Township / Civil Division | COVINGTON-PORTERDALE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 100503 |
45 Champion Ln is owned and occupied by an individual who acquired it in September 2020.
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 CHAMPION LN, COVINGTON, GA 30016-3110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Sep 23, 2022 | Deed of Trust, Mortgage · FHA Mortgage LOAN DEPOT COM |
| May 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL |
| Sep 4, 2020 | Grant Deed, Transfer · FHA Mortgage AMERIS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2005 · Amount on File |
| Deed Sale | Dec 21, 2005 · Amount on File |
| Deed Document Number | 0020770094 |
| Deed Book / Page | 002077 / 000094 |
| Last Transfer Date | Sep 4, 2020 |
| Transfer Doc | 0040640498 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 45 CHAMPION LN, COVINGTON, GA 30016-3110 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 45 CHAMPIONS LN |
| Document Number | 0045820000000195 |
|---|---|
| Date | Jan 9, 2024 |
| Book Page | 0000004582/0000000195 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 45 CHAMPION LN, COVINGTON, GA 30016-3110 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 45 CHAMPION LN, COVINGTON, GA 30016-3110 |
| Document Number | 0044390000000128 |
|---|---|
| Date | Sep 23, 2022 |
| Book Page | 0000004439/0000000128 |
| Instrument | 016094 |
| Name | LOAN DEPOT COM |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 45 CHAMPION LN, COVINGTON, GA 30016-3110 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 45 CHAMPIONS LN |
| Document Number | 0046180000000359 |
|---|---|
| Date | May 9, 2024 |
| Book Page | 0000004618/0000000359 |
| Name | US DEPARTMENT OF HOUSING AND URBAN DEVEL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NEWTON GA |
| Recording Date | Sep 4, 2020 |
| Property Address | 45 CHAMPION LN, COVINGTON, GA 30016-3110 |
| Document Number | 0040640498 |
| Book / Page | 004064 / 000498 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 12456 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 CHAMPION LN COVINGTON GA 300163110, COVINGTON, GA 30016-3110 |
| Document Number | 40640500 |
|---|---|
| Date | Sep 4, 2020 |
| Book Page | 004064/000500 |
| Instrument | 12457 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 3, 2050 |
The 2025 property tax bill for 45 Champion Ln was $2,912 with a homeowner's exemption, up 4.1% from the year before.
Source: Newton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Newton County |
| Unified School District | Newton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,912.00 (+4.15%) Homeowner's exemption | $122,160 (+8.76%) Land $18,000 Building $104,160 | $305,400 (+8.76%) Land $45,000 Building $260,400 |
| 2024 | $2,796.00 Homeowner's exemption | $112,320 (-1.16%) Land $18,000 Building $94,320 | $280,800 (-1.16%) Land $45,000 Building $235,800 |
| 2023 | $113,640 Land $8,800 Building $104,840 | $284,100 Land $22,000 Building $262,100 | |
| 2022 | $2,582.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Champion Ln in Zone X, an area of minimal flood risk.
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 risk around 45 Champion Ln is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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