55 Stephanie Ln, Covington, GA 30016 Property Records

Newton County property record for 55 Stephanie Ln, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,954 sqft · built 2001
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$161,000 (Aug 2016)
Tax Bill	$3,540 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0027F-00000-102-000`

Property Details

APN / Parcel Number

Primary APN	`0027F-00000-102-000`
Alternative APNs	`0027F 102` `14261`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,954 sqft Heated Area
1st Floor Area	676 sqft
Basement Area	1,393 sqft
Unfinished Basement	1,393 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	14261
Street Address	55 STEPHANIE LN
City	COVINGTON
State	GA
Zip	30016-7258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 84 DOUBLE GATE PHS 2 U
Legal Subdivision	DOUBLE GATE
Legal Phase	2
Legal Lot Number	84
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	2
Census Block	2043
Census Tract	100506

Owner

Source: Newton County records, as of June 29, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Aug 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES
Mar 18, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Mar 18, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2016 · Amount on Record
Deed Sale	Aug 23, 2016 · Amount on Record
Deed Document Number	20163039
Deed Book / Page	3473 / 492
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Recording Date	May 14, 2026
Property Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258
Document Number	0000000057
Book / Page	4831 / 197
Instrument Date	Apr 14, 2026
Instrument	202657
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258

Mortgage

Document Number	0000000057,
Date	May 14, 2026
Book Page	4831/197
Instrument	202657

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Apr 1, 2066

Interest

Rate	6.22%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258

Mortgage

Document Number	0045380000000763
Date	Aug 14, 2023
Book Page	0000004538/0000000763

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2063

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258

Mortgage

Document Number	0045390000000431
Date	Aug 15, 2023
Book Page	0000004539/0000000431

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2063

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEWTON GA
Property Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258
Document Number	0038310604
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 STEPHANIE LN COVINGTON GA 300167258, COVINGTON, GA 30016-7258

Mortgage

Document Number	0038310604
Date	Apr 26, 2019
Book Page	003831/000604
Instrument	5040

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

Interest

Rate	5%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	55 STEPHANIE LN, COVINGTON, GA 30016-7258
Document Number	0038310306
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 STEPHANIE LN COVINGTON GA 300167258, COVINGTON, GA 30016-7258

Mortgage

Document Number	0038310306
Date	Apr 25, 2019
Book Page	003831/000306
Instrument	4983

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2049

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	$3,540.00 (+13.53%)	$140,920 (+3.77%) Land $20,800 Building $120,120	$352,300 (+3.77%) Land $52,000 Building $300,300
2023		$135,800 Land $10,000 Building $125,800	$339,500 Land $25,000 Building $314,500
2022	$3,118.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Georgia
Wildfire Likelihood	0.03% 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.

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 179 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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