45 Terrell Ln, Covington, GA 30014 Property Records

Newton County property record for 45 Terrell Ln, Covington, GA 30014 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,207 sqft · built 2020
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Company Names on File
Tax Bill	$1,353 (2025)
Deeds & Mortgages	Sep 2025 Transfer Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0116B-00000-003-000`

Property Details

APN / Parcel Number

Primary APN	`0116B-00000-003-000`
Alternative APNs	`0116B 003` `34499`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,207 sqft Heated Area
1st Floor Area	2,766 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Garage Area	441 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	34499
Street Address	45 TERRELL LN
City	COVINGTON
State	GA
Zip	30014-6904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3 MOUNT MORIAH ESTATES
Legal Subdivision	MOUNT MORIAH ESTATES
Legal Lot Number	3
Jurisdiction	NEWTON GA
Township / Civil Division	MANSFIELD
Census Block Group	2
Census Block	2031
Census Tract	100204

Owner

Source: Newton County records · APN 0116B-00000-003-000

Assessment roll updated December 16, 2025 · Last verified April 2026

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

Owner of Record	2 Company Names on File
Mailing Address	45 TERRELL LN, COVINGTON, GA 30014-6904
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Quit Claim Deed, Transfer Quitclaim
Jan 07, 2022	Deed of Trust, Mortgage · VA Mortgage HOMEOWNERS FINANCIAL
Dec 10, 2021	Warranty Deed, Transfer
Oct 27, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage HOMEBRIDGE FIN'L SVCS INC
Mar 16, 2020	Grant Deed, Construction Loan · Line of Credit UNITED BK
Dec 05, 2019	Grant Deed, Construction Loan · Line of Credit UNITED BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 18, 2025
Deed Sale	Sep 18, 2025
Prior Sale	Dec 10, 2021 · Amount on Record
Deed Document Number	202510532
Deed Book / Page	4763 / 866
Record Updated	Jun 08, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWTON GA
Recording Date	Sep 18, 2025
Property Address	45 TERRELL LN, COVINGTON, GA 30014-6904
Document Number	0047630866
Book / Page	4763 / 866
Instrument Date	Sep 18, 2025
Instrument	D2025010532
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 TERRELL LN, COVINGTON, GA 30014-6904

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	45 TERRELL LN, COVINGTON, GA 30014-6904
Transaction Type	Mortgage
Record Updated	Jun 01, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 TERRELL LN, COVINGTON, GA 30014-6904

Mortgage

Document Number	0043250000000055
Date	Jan 07, 2022
Book Page	0000004325/0000000055
Instrument	000352

Lender

Name	HOMEOWNERS FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 10, 2021
Property Address	45 TERRELL LN, COVINGTON, GA 30014-6904
Document Number	0043250053
Book / Page	4325 / 53
Instrument Date	Dec 10, 2021
Instrument	2022-000092
Transaction Type	Transfer
Record Updated	Aug 04, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 TERRELL LN, COVINGTON, GA 30014-6904

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Oct 27, 2020
Property Address	45 TERRELL LN, COVINGTON, GA 30014-6904
Document Number	0040880402
Book / Page	004088 / 000402
Instrument Date	Oct 15, 2020
Instrument	15397
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$288.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 TERRELL LN COVINGTON GA 300146904, COVINGTON, GA 30014-6904

Mortgage

Document Number	40880404
Date	Oct 27, 2020
Book Page	004088/000404
Instrument	15398

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2050

March 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Mar 16, 2020
Property Address	45 TERRELL LN, COVINGTON, GA 30014-6904
Document Number	0039770255
Book / Page	003977 / 000255
Instrument Date	Mar 12, 2020
Instrument	3562
Transaction Type	Construction Loan
Record Updated	Apr 21, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$35.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	45 TERRELL LN COVINGTON GA 300146904, COVINGTON, GA 30014-6904
Investor	Possibly a Property Investor

Mortgage

Document Number	39770257
Date	Mar 16, 2020
Book Page	003977/000257
Instrument	3563

Lender

Name	UNITED BK
Type	Bank
Address	BARNESVILLE, GA 30204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 15, 2021

Interest

Rate Type	Adjustable Rate

December 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 05, 2019
Property Address	45 TERRELL LN, COVINGTON, GA 30014-6904
Document Number	0039310316
Book / Page	003931 / 000316
Instrument Date	Dec 04, 2019
Instrument	15982
Transaction Type	Construction Loan
Record Updated	Dec 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$590.40
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	45 TERRELL LN COVINGTON GA 300146904, COVINGTON, GA 30014-6904
Investor	Possibly a Property Investor

Mortgage

Document Number	39310318
Date	Dec 05, 2019
Book Page	003931/000318
Instrument	15983

Lender

Name	UNITED BK
Type	Bank
Address	BARNESVILLE, GA 30204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 04, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Newton County records · Assessment roll updated December 16, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Georgia
County	Newton County
Unified School District	Newton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,353.00 (+6.87%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$177,440 (+8.33%) Land $21,200 Building $156,240	$443,600 (+8.33%) Land $53,000 Building $390,600
2024	$1,266.00 (-66.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$163,800 (+11.55%) Land $21,200 Building $142,600	$409,500 (+11.55%) Land $53,000 Building $356,500
2023		$146,840 Land $12,000 Building $134,840	$367,100 Land $30,000 Building $337,100
2022	$3,810.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Newton County (13217C), updated September 30, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 35% of Georgia
Wildfire Likelihood	About 1 in 1,282 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 38 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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