540 Cedar Dr, Covington, GA 30016 Property Records

Newton County property record for 540 Cedar Dr, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1986
Lot Size	2.8 acres (121,968 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Sep 2022)
Tax Bill	$3,169 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`00670-00000-014-000`

Property Details

APN / Parcel Number

Primary APN	`00670-00000-014-000`
Alternative APNs	`0067 014` `25810`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,456 sqft Heated Area
1st Floor Area	832 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2002
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	121,968 sqft (2.8 acres)
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	25810
Street Address	540 CEDAR DR
City	COVINGTON
State	GA
Zip	30016-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	2.8AC LOT 14 HIGH POINT
Legal Subdivision	HIGHPOINT FOREST
Legal Lot Number	14
Jurisdiction	NEWTON GA
Township / Civil Division	SOUTH NEWTON
Census Block Group	3
Census Block	3005
Census Tract	100801

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 Name on File
Mailing Address	540 CEDAR DR, COVINGTON, GA 30016-5316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · FHA Mortgage NFM DBA NFM LENDING
Nov 2, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 1, 2022	Warranty Deed, Transfer
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BK
Jul 17, 2017	Grant Deed, Transfer · Conventional with PMI FIDELITY BK MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Jul 13, 2017 · Amount on Record
Deed Document Number	20224627
Deed Book / Page	4431 / 660
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	540 CEDAR DR, COVINGTON, GA 30016-5316
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 FIVE OAKS DR, COVINGTON, GA 30014-0414

Mortgage

Document Number	0048060000000833
Date	Feb 25, 2026
Book Page	0000004806/0000000833

Lender

Name	NFM DBA NFM LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	540 CEDAR DR, COVINGTON, GA 30016-5316
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 PINE LN, COVINGTON, GA 30016-5363

Mortgage

Document Number	0045640000000335
Date	Nov 2, 2023
Book Page	0000004564/0000000335

Lender

Name	TRUIST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Sep 1, 2022
Property Address	540 CEDAR DR, COVINGTON, GA 30016-5316
Document Number	0044310660
Book / Page	4431 / 660
Instrument Date	Sep 1, 2022
Instrument	2022-004627
Transaction Type	Transfer
Record Updated	Sep 23, 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	540 CEDAR DR, COVINGTON, GA 30016-5316

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	540 CEDAR DR, COVINGTON, GA 30016-5316
Document Number	0040050129
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CEDAR DR COVINGTON GA 300165316, COVINGTON, GA 30016-5316

Mortgage

Document Number	0040050129
Date	May 15, 2020
Book Page	004005/000129
Instrument	6352

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 14, 2040

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Jul 17, 2017
Property Address	540 CEDAR DR, COVINGTON, GA 30016-5316
Document Number	0035860415
Book / Page	003586 / 000415
Instrument Date	Jul 13, 2017
Instrument	7921
Transaction Type	Transfer
Record Updated	Aug 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CEDAR DR COVINGTON GA 300165316, COVINGTON, GA 30016-5316

Mortgage

Document Number	35860416
Date	Jul 17, 2017
Book Page	003586/000416
Instrument	7922

Lender

Name	FIDELITY BK MTG
Type	Bank
Address	ATLANTA, GA 30329

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2047

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	$3,169.00 (+22.5%) Homeowner's exemption	$131,240 (+11.45%) Land $14,000 Building $117,240	$328,100 (+11.45%) Land $35,000 Building $293,100
2023		$117,760 Land $8,800 Building $108,960	$294,400 Land $22,000 Building $272,400
2022	$2,587.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 30, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 61% of Georgia
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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