Newton County property record for 45 Joy Cir, Covington, GA 30016
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,815 sqft · built 1999 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (May 2007) |
| Tax Bill | $3,085 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 00080-00000-395-000 |
| Primary APN | 00080-00000-395-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,815 sqft Heated Area |
| 1st Floor Area | 1,475 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,136 sqft (0.6 acres) |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2144 |
|---|---|
| Street Address | 45 JOY CIR |
| City | COVINGTON |
| State | GA |
| Zip | 30016-8051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 4 BETHANY RIDGE |
| Legal Subdivision | BETHANY RIDGE |
| Legal Lot Number | 4 |
| Jurisdiction | NEWTON GA |
| Township / Civil Division | COVINGTON-PORTERDALE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 100905 |
45 Joy Cir is owned and occupied by two individuals who bought it in May 2007.
Source: Newton County records, as of December 16, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 JOY CIR, COVINGTON, GA 30016-8051 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2007 · Amount on File |
| Deed Sale | May 14, 2007 · Amount on File |
| Prior Sale | May 10, 2000 · Amount on File |
| Deed Book / Page | 2435 / 294 |
| Prior Transfer Date | Apr 16, 2007 |
| Prior Transfer Doc | 0024350312 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 45 JOY CIR, COVINGTON, GA 30016-8051 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 45 JOY CIR, COVINGTON, GA 30016-8051 |
| Document Number | 0045330000000382 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 0000004533/0000000382 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
The 2025 property tax bill for 45 Joy Cir was $3,085, down 4.2% from the year before.
Source: Newton County assessment roll, as of December 16, 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 | $3,085.00 (-4.22%) | $121,320 (-2.6%) Land $18,000 Building $103,320 | $303,300 (-2.6%) Land $45,000 Building $258,300 |
| 2024 | $3,221.00 | $124,560 (+11.17%) Land $18,000 Building $106,560 | $311,400 (+11.17%) Land $45,000 Building $266,400 |
| 2023 | $112,040 Land $6,400 Building $105,640 | $280,100 Land $16,000 Building $264,100 | |
| 2022 | $2,320.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Joy Cir 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 | 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 risk around 45 Joy Cir is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 89% of Georgia |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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