45 Ray Rd, Covington, GA 30014 Property Records

Newton County property record for 45 Ray Rd, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	2 ba · 930 sqft · built 1960
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,497 (2025)
Deeds & Mortgages	Aug 2022 Sale Jan 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0074A-00000-151-000`

Property Details

APN / Parcel Number

Primary APN	`0074A-00000-151-000`
Alternative APNs	`0074A 151` `27471`

Interior

Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	930 sqft Heated Area
1st Floor Area	930 sqft
Flooring	Softwood
Interior Walls	Wood

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)

Exterior Amenities

Deck Area	520 sqft
Patio Area	520 sqft
Storage Building	960 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	27471
Street Address	45 RAY RD
City	COVINGTON
State	GA
Zip	30014-5954
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MSR
Legal Description	.60AC LL92 OFF HWY 36
Legal Subdivision	JACKSON LAKE LOTS (FEE SIMPLE)
Jurisdiction	NEWTON GA
Township / Civil Division	SOUTH NEWTON
Census Block Group	1
Census Block	1003
Census Tract	100802

Owner

Source: Newton County records, as of March 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4164 GLENAIRE WAY NW, ACWORTH, GA 30101-6830
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2022	Warranty Deed, Transfer
Jan 29, 2021	Warranty Deed, Transfer
Dec 22, 2020	Warranty Deed, Transfer NEIGHBOR MARK R
Jul 8, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022
Deed Sale	Oct 4, 2022
Prior Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	20224984
Deed Book / Page	4441 / 538
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Aug 29, 2022
Property Address	45 RAY RD, COVINGTON, GA 30014-5954
Document Number	0044410538
Book / Page	4441 / 538
Instrument Date	Aug 29, 2022
Instrument	2022-004984
Transaction Type	Transfer
Record Updated	Oct 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RAY RD, COVINGTON, GA 30014-5954

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Jan 29, 2021
Property Address	45 RAY RD, COVINGTON, GA 30014-5954
Document Number	0041450260
Book / Page	4145 / 260
Instrument Date	Jan 29, 2021
Instrument	2021-000504
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RAY RD, COVINGTON, GA 30014-5954

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 22, 2020
Property Address	45 RAY RD, COVINGTON, GA 30014-5954
Document Number	0041230218
Book / Page	4123 / 218
Instrument Date	Dec 22, 2020
Instrument	2021-000048
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 HIGHWAY 81 E # 104, 104, MCDONOUGH, GA 30252-2978

Mortgage

Document Number	0041230000000220
Date	Jan 5, 2021
Book Page	0000004123/0000000220
Instrument	000140

Lender

Name	NEIGHBOR MARK R

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Jan 1, 2023

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Jul 8, 2020
Property Address	45 RAY RD, COVINGTON, GA 30014-5954
Document Number	0040310488
Book / Page	004031 / 000488
Instrument Date	Jun 30, 2020
Instrument	9047
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$55.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 RAY RD COVINGTON GA 300145954, COVINGTON, GA 30014-5954

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	$1,497.00 (+37.34%)	$60,160 (+6.29%) Land $48,000 Building $12,160	$150,400 (+6.29%) Land $120,000 Building $30,400
2023		$56,600 Land $48,000 Building $8,600	$141,500 Land $120,000 Building $21,500
2022	$1,090.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (2015–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 3 claims

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

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	0.07% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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