Newton County property record for 490 Oak Ter Dr, Covington, GA 30016
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,518 sqft · built 2018 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $197,105 (Jul 2018) |
| Tax Bill | $3,446 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Aug 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0026G-00000-187-000 |
| Primary APN | 0026G-00000-187-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,518 sqft Heated Area |
| 1st Floor Area | 102 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 420 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 102 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 12630 |
|---|---|
| Street Address | 490 OAK TERRACE DR |
| City | COVINGTON |
| State | GA |
| Zip | 30016-0285 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 187 OAKWOOD MANOR UNII |
| Legal Subdivision | OAKWOOD MANOR |
| Legal Lot Number | 187 |
| Jurisdiction | NEWTON GA |
| Township / Civil Division | COVINGTON-PORTERDALE |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 100506 |
490 Oak Ter Dr is owned and occupied by two individuals who bought it in July 2018.
Source: Newton County records, as of December 16, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 490 OAK TERRACE DR, COVINGTON, GA 30016-0285 |
| 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.
| Date | Document |
|---|---|
| Oct 29, 2019 | Quit Claim Deed, Mortgage · FHA Mortgage MR COOPER |
| Aug 9, 2018 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage BROKER SOLUTIONS |
| Jan 19, 2018 | Grant Deed, Transfer SPECIALIZED TITLE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2018 · Amount on File |
| Deed Sale | Jul 30, 2018 · Amount on File |
| Prior Sale | Feb 6, 2013 |
| Deed Document Number | 20183139 |
| Deed Book / Page | 3734 / 444 |
| Prior Transfer Date | Nov 6, 2012 |
| Prior Transfer Doc | 0030900109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEWTON GA |
| Recording Date | Oct 29, 2019 |
| Property Address | 490 OAK TERRACE DR, COVINGTON, GA 30016-0285 |
| Document Number | 0039140224 |
| Book / Page | 003914 / 000224 |
| Instrument Date | Oct 22, 2019 |
| Instrument | 14090 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2019 |
| Title Company | COMMONWEALTH USA SETTLEMENTS L |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 490 OAK TER ATLANTA GA 30316, ATLANTA, GA 30316 |
| Document Number | 39140227 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 003914/000227 |
| Instrument | 14091 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 28, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NEWTON GA |
| Recording Date | Aug 9, 2018 |
| Property Address | 490 OAK TERRACE DR, COVINGTON, GA 30016-0285 |
| Document Number | 0037340444 |
| Book / Page | 003734 / 000444 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 9773 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $197.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 490 OAK TER ATLANTA GA 30316, ATLANTA, GA 30316 |
| Document Number | 37340461 |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | 003734/000461 |
| Instrument | 9775 |
| Name | BROKER SOLUTIONS |
|---|---|
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 8, 2048 |
| Document Number | 37340446, |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | 003734/000446 |
| Instrument | 9774 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 8, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NEWTON GA |
| Recording Date | Jan 19, 2018 |
| Property Address | 490 OAK TERRACE DR, COVINGTON, GA 30016-0285 |
| Document Number | 0036560389 |
| Book / Page | 003656 / 000389 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 743 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2018 |
| Title Company | SPECIALIZED TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $143.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 490 Oak Ter Dr was $3,446 with a homeowner's exemption.
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 | $3,446.00 Homeowner's exemption | $140,640 Land $20,000 Building $120,640 | $351,600 Land $50,000 Building $301,600 |
| 2023 | $138,160 Land $8,000 Building $130,160 | $345,400 Land $20,000 Building $325,400 | |
| 2022 | $3,443.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 490 Oak Ter Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.
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 | 3 in force |
| Nearby Flood Claims | 2 (2009–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 490 Oak Ter Dr is low, with a 0.04% 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 | 0.04% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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