85 River Watch Dr, Covington, GA 30014 Property Records

Newton County property record for 85 River Watch Dr, Covington, GA 30014

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,958 sqft · built 2021
Lot Size	1.74 acres (75,794 sqft)
Owner	Individual Name on Record
Last Sale	$489,000 (Feb 2022)
Tax Bill	$5,632 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`0024E-00000-037-000`

Property Details

APN / Parcel Number

Primary APN	`0024E-00000-037-000`
Alternative APNs	`0024E 037` `10325`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,958 sqft Heated Area
Basement Area	1,818 sqft
Unfinished Basement	1,818 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	75,794 sqft (1.74 acres)
View / Lot	Water
Garage Area	727 sqft
Porch	Open Porch
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10325
Old Parcel Number	0024E 037
Street Address	85 RIVER WATCH DR
City	COVINGTON
State	GA
Zip	30014-8341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 37 RIVER WATCH
Legal Subdivision	RIVER WATCH
Legal Lot Number	37
Jurisdiction	NEWTON GA
Township / Civil Division	COVINGTON-PORTERDALE
Census Block Group	1
Census Block	1073
Census Tract	100102

Owner

Source: Newton County records, as of December 15, 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 Record
Co-owner	Co-owner on Record
Mailing Address	85 RIVER WATCH DR, COVINGTON, GA 30014-8341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · FHA Mortgage FARMERS AND MERCHANTS BANK
Feb 2, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage SOUTHEAST MORTGAGE
Feb 2, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage SOUTHEAST MORTGAGE
Mar 1, 2021	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2022 · Amount on Record
Deed Sale	Feb 2, 2022 · Amount on Record
Prior Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	0004337538
Deed Book / Page	4337 / 538
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	85 RIVER WATCH DR, COVINGTON, GA 30014-8341
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 RIVER WATCH DR, COVINGTON, GA 30014-8341
Investor	Possibly a Property Investor

Mortgage

Document Number	0041940000000610
Date	May 14, 2021
Book Page	0000004194/0000000610
Instrument	009068

Lender

Name	FARMERS AND MERCHANTS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2022

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Feb 2, 2022
Property Address	85 RIVER WATCH DR, COVINGTON, GA 30014-8341
Document Number	0043370538
Book / Page	4337 / 538
Instrument Date	Feb 2, 2022
Instrument	2022-000575
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	85 RIVIERA DR, COVINGTON, GA 30014-4117

Mortgage

Document Number	0043370000000539
Date	Feb 3, 2022
Book Page	0000004337/0000000539
Instrument	001999

Lender

Name	SOUTHEAST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Feb 2, 2022
Property Address	85 RIVER WATCH DR, COVINGTON, GA 30014-8341
Document Number	0043370538
Book / Page	4337 / 538
Instrument Date	Feb 2, 2022
Instrument	2022-000575
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	85 RIVIERA DR, COVINGTON, GA 30014-4117

Mortgage

Document Number	0000001999
Date	Feb 2, 2022
Instrument	001999

Lender

Name	SOUTHEAST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

March 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	NEWTON GA
Recording Date	Mar 1, 2021
Property Address	85 RIVER WATCH DR, COVINGTON, GA 30014-8341
Document Number	0041530424
Book / Page	4153 / 424
Instrument Date	Mar 1, 2021
Instrument	2021-001081
Transaction Type	Transfer
Record Updated	Mar 24, 2023

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	PO BOX 1326, OXFORD, GA 30054-1326
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Newton County assessment roll, as of July 1, 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	$5,632.00 (+17.97%) Homeowner's exemption	$232,880 (+18.36%) Land $33,600 Building $199,280	$582,200 (+18.36%) Land $84,000 Building $498,200
2023		$196,760 Land $16,000 Building $180,760	$491,900 Land $40,000 Building $451,900
2022	$4,774.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 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	Moderate above 42% of the US · lower than 65% of Georgia
Wildfire Likelihood	0.06% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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