45 Ratliff Dr, Covington, GA 30016 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,656 sqft · built 2006
Lot Size	0.75 acres (32,670 sqft)
Owner	Company Name on File
Last Sale	$249,000 (Jul 2025)
Tax Bill	$3,065 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0046B-00000-098-000`

Property Details

APN / Parcel Number

Primary APN	`0046B-00000-098-000`
Alternative APNs	`0046B 098` `21191`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,656 sqft Heated Area
1st Floor Area	672 sqft
Flooring	Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Garage Area	752 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	21191
Old Parcel Number	0046B 098
Street Address	45 RATLIFF DR
City	COVINGTON
State	GA
Zip	30016-6689
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 98 SPRINGSIDE COMMONS
Legal Subdivision	SPRINGSIDE COMMONS
Legal Lot Number	98
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1007
Census Tract	100600

Owner

45 Ratliff Dr is owned by a company that bought it in July 2025 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	600 GALLERIA PKWY SE, ATLANTA, GA 30339-5994
Occupancy	Owner Occupied
Owner Type	Company

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
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS
Apr 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2025 · Amount on File
Deed Sale	Jul 23, 2025 · Amount on File
Prior Sale	Aug 20, 2015 · Amount on File
Deed Document Number	D2025008039
Deed Book / Page	4747 / 216
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	45 RATLIFF DR, COVINGTON, GA 30016-6689
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RATLIFF DR, COVINGTON, GA 30016-6689

Mortgage

Document Number	0041240000000308
Date	Jan 6, 2021
Book Page	0000004124/0000000308
Instrument	000323

Lender

Name	QUICKEN LOANS

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	45 RATLIFF DR, COVINGTON, GA 30016-6689
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RATLIFF DR, COVINGTON, GA 30016-6689

Mortgage

Document Number	0043790000000666
Date	Apr 27, 2022
Book Page	0000004379/0000000666
Instrument	007611

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 45 Ratliff Dr was $3,065 with a homeowner's exemption.

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	$3,065.00 Homeowner's exemption	$125,640 Land $15,200 Building $110,440	$314,100 Land $38,000 Building $276,100
2023		$106,440 Land $5,600 Building $100,840	$266,100 Land $14,000 Building $252,100
2022	$2,453.00

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 45 Ratliff Dr 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

Wildfire risk around 45 Ratliff Dr 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 65% of the US · lower than 88% of Georgia
Wildfire Likelihood	0.05% 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Xfinity.

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