70 Cowan Rdg, Covington, GA 30016 Property Records

Newton County property record for 70 Cowan Rdg, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,686 sqft · built 2017
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Dec 2025)
Tax Bill	$4,099 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0029E-00000-006-000`

Property Details

APN / Parcel Number

Primary APN	`0029E-00000-006-000`
Alternative APNs	`0029E 006` `16821`

Interior

Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,686 sqft Heated Area
1st Floor Area	2,686 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	54 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16821
Street Address	70 COWAN RDG
City	COVINGTON
State	GA
Zip	30016-9164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 6 COWAN RIDGE
Legal Subdivision	COWAN RIDGE
Legal Lot Number	6
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1000
Census Tract	100905

Owner

Source: Newton County records, as of August 17, 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	70 COWAN RDG, COVINGTON, GA 30016-9164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Oct 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES
Dec 29, 2025	Administrator's Deed, Transfer · Conventional Mortgage AMERIS BANK
Feb 22, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage SOUTHEAST MTG/GA
Sep 21, 2017	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2025 · Amount on Record
Deed Sale	Dec 29, 2025 · Amount on Record
Prior Sale	Feb 15, 2018 · Amount on Record
Deed Book / Page	4791 / 896
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Recording Date	Jul 20, 2026
Property Address	70 COWAN RDG, COVINGTON, GA 30016-9164
Document Number	0000000087
Book / Page	4850 / 423
Instrument Date	Jul 9, 2026
Instrument	202687
Transaction Type	Mortgage
Record Updated	Aug 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000087,
Date	Jul 20, 2026
Book Page	4850/423
Instrument	202687

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2051

Interest

Rate	6.52%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	70 COWAN RDG, COVINGTON, GA 30016-9164
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 COWAN RDG, COVINGTON, GA 30016-9164

Mortgage

Document Number	0047700000000692
Date	Oct 14, 2025
Book Page	0000004770/0000000692
Instrument	2025011527

Lender

Name	PENNYMAC LOAN SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2065

December 2025: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 29, 2025
Property Address	70 COWAN RDG, COVINGTON, GA 30016-9164
Document Number	0047910896
Book / Page	4791 / 896
Instrument Date	Dec 18, 2025
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.70
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 COWAN RDG, COVINGTON, GA 30016-9164

Mortgage

Document Number	0004791898
Date	Dec 29, 2025
Instrument	4791/898

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

February 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Feb 22, 2018
Property Address	70 COWAN RDG, COVINGTON, GA 30016-9164
Document Number	0036680097
Book / Page	003668 / 000097
Instrument Date	Feb 15, 2018
Instrument	2143
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$237.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 COWAN RDG COVINGTON GA 300169164, COVINGTON, GA 30016-9164

Mortgage

Document Number	36680099
Date	Feb 22, 2018
Book Page	003668/000099
Instrument	2144

Lender

Name	SOUTHEAST MTG/GA
Type	Mortgage Company
Address	DULUTH, GA 30096

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	70 COWAN RDG, COVINGTON, GA 30016-9164
Document Number	0036130219
Book / Page	003613 / 000219
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	750 CHASTAIN COR MARIETTA GA 300668518, MARIETTA, GA 30066-8518
Investor	Possibly a Property Investor

Mortgage

Document Number	0036130219
Date	Sep 26, 2017
Book Page	003613/000219
Instrument	10819

Lender

Name	BRANCH BK&TR
Type	Bank
Address	ATLANTA, GA 30363

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Sep 25, 2019

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	$4,099.00 (+33.34%)	$161,760 (+10.43%) Land $24,800 Building $136,960	$404,400 (+10.43%) Land $62,000 Building $342,400
2023		$146,480 Land $8,800 Building $137,680	$366,200 Land $22,000 Building $344,200
2022	$3,074.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 63% of the US · lower than 84% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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