55 Moray Pl, Covington, GA 30014 Property Records

Newton County property record for 55 Moray Pl, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 4,485 sqft · built 2007
Lot Size	1.35 acres (58,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Aug 2025)
Tax Bill	$9,526 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01010-00000-153-000`

Property Details

APN / Parcel Number

Primary APN	`01010-00000-153-000`
Alternative APNs	`0101 153` `32308`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	4,485 sqft Heated Area
1st Floor Area	1,740 sqft
Basement Area	2,534 sqft
Finished Basement	2,534 sqft
Unfinished Basement	2,560 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	58,806 sqft (1.35 acres)
Garage Area	1,160 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	512 sqft
Deck Area	204 sqft
Patio Area	452 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	32308
Street Address	55 MORAY PL
City	COVINGTON
State	GA
Zip	30014-8962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 155 LOCHWOLDE UN4
Legal Subdivision	LOCHWOLDE
Legal Lot Number	155
Legal Unit	4
Jurisdiction	NEWTON GA
Township / Civil Division	MANSFIELD
Census Block Group	1
Census Block	1010
Census Tract	100204

Owner

Source: Newton County records, as of June 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	55 MORAY PL, COVINGTON, GA 30014-8962
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 25, 2025	Limited Warranty Deed, Transfer · VA Mortgage LUMINATE BANK
Aug 6, 2019	Deed of Trust, Mortgage PRIMARY RESID'L MTG
Dec 14, 2018	Grant Deed, Transfer JEFFERY & SARA TAMAYO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	Nov 30, 2018 · Amount on Record
Deed Book / Page	4757 / 19
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Recording Date	May 6, 2026
Property Address	55 MORAY PL, COVINGTON, GA 30014-8962
Document Number	0048280000000611
Book / Page	4828 / 611
Instrument Date	Apr 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 MORAY PL, COVINGTON, GA 30014-8962

Mortgage

Document Number	4828000611,
Date	May 6, 2026
Book Page	4828/611

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

August 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Aug 25, 2025
Property Address	55 MORAY PL, COVINGTON, GA 30014-8962
Document Number	0047570019
Book / Page	4757 / 19
Instrument Date	Aug 21, 2025
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 MORAY PL, COVINGTON, GA 30014-8962

Mortgage

Document Number	0000475722
Date	Aug 25, 2025
Instrument	4757/22

Lender

Name	LUMINATE BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2055

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	55 MORAY PL, COVINGTON, GA 30014-8962
Document Number	0038820400
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 MORAY PL COVINGTON GA 300148962, COVINGTON, GA 30014-8962

Mortgage

Document Number	0038820400
Date	Aug 20, 2019
Book Page	003882/000400
Instrument	10712

Lender

Name	PRIMARY RESID'L MTG
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 14, 2018
Property Address	55 MORAY PL, COVINGTON, GA 30014-8962
Document Number	0037810407
Book / Page	003781 / 000407
Instrument Date	Nov 30, 2018
Instrument	15081
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	55 MORAY PL COVINGTON GA 300148962, COVINGTON, GA 30014-8962

Mortgage

Document Number	37810420
Date	Dec 14, 2018
Book Page	003781/000420
Instrument	15084

Lender

Name	JEFFERY & SARA TAMAYO
Address	2155 ELKINS WAY # H, BRENTWOOD, CA 94513-7365

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Dec 13, 2021

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	$9,526.00 (+12.36%) Homeowner's exemption Senior Citizen's exemption	$440,680 (+19.45%) Land $36,000 Building $404,680	$1,101,700 (+19.45%) Land $90,000 Building $1,011,700
2024	$8,478.00 (-12.2%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$368,920 (+4.59%) Land $36,000 Building $332,920	$922,300 (+4.59%) Land $90,000 Building $832,300
2023		$352,720 Land $36,000 Building $316,720	$881,800 Land $90,000 Building $791,800
2022	$9,656.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 62% of the US · lower than 82% of Georgia
Wildfire Likelihood	0.05% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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