4540 Jersey Covington Rd, Covington, GA 30014 Property Records

Walton County property record for 4540 Jersey Covington Rd, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,950 sqft · built 1968
Lot Size	1.57 acres (68,389 sqft)
Owner	2 Individual Names on File
Last Sale	$81,600 (Apr 2015)
Tax Bill	$1,872 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C0670-099`

Property Details

APN / Parcel Number

Primary APN	`C0670-099`
Alternative APN	`5505`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,950 sqft Heated Area
1st Floor Area	1,064 sqft
Basement Area	1,400 sqft
Finished Basement	868 sqft
Unfinished Basement	532 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	68,389 sqft (1.57 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	616 sqft
Carport	Carport
Carport Area	616 sqft
Porch	Patio
Porch Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5505
Street Address	4540 JERSEY COVINGTON RD
City	COVINGTON
State	GA
Zip	30014-0663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2 WP2
Legal Description	1.57AC
Legal Subdivision	ROBERT A KITCHENS
Jurisdiction	WALTON GA
Township / Civil Division	JERSEY
Census Block Group	2
Census Block	2053
Census Tract	110602

Owner

4540 Jersey Covington Rd is owned and occupied by two individuals who bought it in April 2015.

Source: Walton County records, as of June 8, 2026

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	2 Individual Names on File
Mailing Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage LOAN DEPOT
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT COM
Oct 7, 2022	Deed of Trust, Mortgage · FHA Mortgage LOAN DEPOT COM
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 30, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2015 · Amount on File
Deed Sale	Apr 30, 2015 · Amount on File
Deed Document Number	20153295
Deed Book / Page	3833 / 389
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Recording Date	Apr 30, 2026
Property Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663
Document Number	0056300000001790
Book / Page	5630 / 1790
Instrument Date	Apr 24, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663

Mortgage

Document Number	5630001790,
Date	Apr 30, 2026
Book Page	5630/1790

Lender

Name	LOAN DEPOT

Agreement

Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2046

Interest

Rate	6.38%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663

Mortgage

Document Number	0048300000000387
Date	Apr 2, 2021
Book Page	0000004830/0000000387
Instrument	2021005898

Lender

Name	LOAN DEPOT COM

Agreement

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

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663
Transaction Type	Mortgage
Record Updated	Nov 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663

Mortgage

Document Number	0052230000000172
Date	Oct 7, 2022
Book Page	0000005223/0000000172
Instrument	2022015608

Lender

Name	LOAN DEPOT COM

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663
Document Number	0045060255
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4540 JERSEY COVINGTON RD COVINGTON GA 300140663, COVINGTON, GA 30014-0663

Mortgage

Document Number	0045060255
Date	Dec 18, 2019
Book Page	004506/000255
Instrument	15853

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 17, 2039

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON GA
Property Address	4540 JERSEY COVINGTON RD, COVINGTON, GA 30014-0663
Document Number	0043770172
Instrument Date	Apr 30, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4540 JERSEY COVINGTON RD COVINGTON GA 300140663, COVINGTON, GA 30014-0663

Mortgage

Document Number	0043770172
Date	May 6, 2019
Book Page	004377/000172

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4540 Jersey Covington Rd was $1,872 with exemptions applied.

Source: Walton County assessment roll, as of March 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,872.00 Homeowner's exemption Disabled Person's exemption Additional exemption filed	$87,552 Land $24,920 Building $62,632	$218,880 Land $62,300 Building $156,580
2023	$1,808.00 (-22.44%)	$77,592 (+11.3%) Land $20,080 Building $57,512	$193,980 (+11.3%) Land $50,200 Building $143,780
2022	$2,331.00	$69,712 Land $17,760 Building $51,952	$174,280 Land $44,400 Building $129,880

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

Flood

FEMA maps place 4540 Jersey Covington Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective December 14, 2022 · 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 Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2015 · rainfall accumulation

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

Wildfire risk around 4540 Jersey Covington Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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	0.06% annual chance
Exposure	Direct burnable vegetation

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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Xfinity.

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