Newton County property record for 640 Lower River Rd, Covington, GA 30016 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 2000 |
| Square Footage | 4,117 sqft Heated Area |
| Lot Size | 217,800 sqft (5 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $5,000 (1985) |
| Tax Bill | $3,873.00 (2025) |
| Primary APN | 00470-00000-070-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Building Area | 4,117 sqft Heated Area |
| 1st Floor | 1,933 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Other Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Wood Exterior |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 217,800 sqft (5 acres) |
| Deck Area | 152 sqft Deck |
|---|---|
| Patio Area | 200 sqft Patio |
| Porch | Open Porch |
| Porch Area | 138 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 21331 |
|---|---|
| Old Parcel Number | 0047 070 |
| Street Address | 640 LOWER RIVER RD |
| City | COVINGTON |
| State | GA |
| Zip | 30016-8270 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 5AC LOWER RIVER ROAD |
| Legal Subdivision | R4 MISC LAND - AREA 7 |
| Jurisdiction | NEWTON GA |
| Minor Civil Division | COVINGTON-PORTERDALE |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 100600 |
Source: Newton County records · APN 00470-00000-070-000
Assessment roll updated July 1, 2025 · Last verified December 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 | 640 LOWER RIVER RD, COVINGTON, GA 30016-8270 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 02, 2021 | Deed of Trust, Mortgage ASSOCIATED CREDIT UNION |
| Apr 22, 2024 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Feb 06, 2023 | Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 10, 1985 · Amount on Record |
| Deed Sale | Jul 10, 1985 · Amount on Record |
| Deed Doc Number | 0000028836 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 640 LOWER RIVER RD, COVINGTON, GA 30016-8270 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 640 LOWER RIVER RD, COVINGTON, GA 30016-8270 |
| Investor | Possibly a Property Investor |
| Document Number | 0042050000000223 |
|---|---|
| Date | Jun 02, 2021 |
| Book Page | 0000004205/0000000223 |
| Instrument | 010317 |
| Name | ASSOCIATED CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jan 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 640 LOWER RIVER RD, COVINGTON, GA 30016-8270 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 640 LOWER RIVER RD, COVINGTON, GA 30016-8270 |
| Document Number | 0046110000000290 |
|---|---|
| Date | Apr 22, 2024 |
| Book Page | 0000004611/0000000290 |
| Instrument | D2024004076 |
| Name | TRUIST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 640 LOWER RIVER RD, COVINGTON, GA 30016-8270 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2023 |
| Name | Verified Name |
|---|---|
| Address | 640 LOWER RIVER RD, COVINGTON, GA 30016-8270 |
| Document Number | 0044770000000158 |
|---|---|
| Date | Feb 06, 2023 |
| Book Page | 0000004477/0000000158 |
| Instrument | 001342 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 288 Months |
| Due | Jan 01, 2047 |
Source: Newton County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Newton County |
| Unified School District | Newton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,873.00 (+11.74%) Homeowner's exemption | $164,640 (+18.51%) Land $29,000 Building $135,640 | $411,600 (+18.51%) Land $72,500 Building $339,100 |
| 2023 | $138,920 Land $25,000 Building $113,920 | $347,300 Land $62,500 Building $284,800 | |
| 2022 | $3,466.00 |
Source: FEMA National Flood Hazard Layer, Newton County (13217C), updated September 30, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 44% of the US · above 39% of Georgia |
|---|---|
| Wildfire Likelihood | About 1 in 1,449 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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