495 Morningside Dr, Covington, GA 30016 Property Records

Newton County property record for 495 Morningside Dr, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,810 sqft · built 2007
Lot Size	1.83 acres (79,715 sqft)
Owner	Individual on Record
Tax Bill	$2,453 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jan 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`0045A-00000-009-A00`

Property Details

APN / Parcel Number

Primary APN	`0045A-00000-009-A00`
Alternative APNs	`0045A 009A` `20641`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,810 sqft Heated Area
1st Floor Area	1,810 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	79,715 sqft (1.83 acres)
Garage Area	969 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	95 sqft
Deck Area	144 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20641
Street Address	495 MORNINGSIDE DR
City	COVINGTON
State	GA
Zip	30016-4646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.83AC MORNINGSIDE DR
Legal Subdivision	R3 MISC LAND - AREA 4
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	2
Census Block	2052
Census Tract	100600

Owner

Source: Newton County assessment roll, as of December 16, 2025

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

Owner of Record	Individual on Record
Mailing Address	495 MORNINGSIDE DR, COVINGTON, GA 30016-4646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit NEWTON FEDERAL BANK
Jan 1, 2017	Loan Modification, Mortgage · Conventional Mortgage NEWTON FED'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 3, 2006
Transfer Doc	0021800523
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	495 MORNINGSIDE DR, COVINGTON, GA 30016-4646
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 MORNINGSIDE DR, COVINGTON, GA 30016-4646

Mortgage

Document Number	0043750000000685
Date	Apr 19, 2022
Book Page	0000004375/0000000685
Instrument	007072

Lender

Name	NEWTON FEDERAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEWTON GA
Property Address	495 MORNINGSIDE DR, COVINGTON, GA 30016-4646
Document Number	0035230436
Book / Page	003523 / 000436
Instrument Date	Jan 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 MORNINGSIDE DR COVINGTON GA 300164646, COVINGTON, GA 30016-4646

Mortgage

Document Number	0035230436
Date	Jan 12, 2017
Book Page	003523/000436
Instrument	533

Lender

Name	NEWTON FED'L BK
Type	Bank
Address	COVINGTON, GA 30014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 11, 2022

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	$2,453.00 (+3.33%) Homeowner's exemption	$103,080 (+5.61%) Land $17,520 Building $85,560	$257,700 (+5.61%) Land $43,800 Building $213,900
2024	$2,374.00 (+0.94%) Homeowner's exemption	$97,600 (+7.35%) Land $9,960 Building $87,640	$244,000 (+7.35%) Land $24,900 Building $219,100
2023		$90,920 Land $9,960 Building $80,960	$227,300 Land $24,900 Building $202,400
2022	$2,352.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2009 · Severe Storms And Flooding

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	Low lower than 64% of the US · lower than 87% of Georgia
Wildfire Likelihood	0.04% 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 126 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 in parts of the area	100 / 20

May also be available: Xfinity.

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