95 Cowan Rdg, Covington, GA 30016 Property Records

Newton County property record for 95 Cowan Rdg, Covington, GA 30016

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,686 sqft · built 2017
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (Dec 2017)
Tax Bill	$3,918 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0029E-00000-023-000`

Property Details

APN / Parcel Number

Primary APN	`0029E-00000-023-000`
Alternative APNs	`0029E 023` `16838`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,686 sqft Heated Area
1st Floor Area	2,686 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	46,609 sqft (1.07 acres)
Garage Area	440 sqft

Exterior Amenities

Porch	Open Porch
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	16838
Old Parcel Number	0029E 023
Street Address	95 COWAN RDG
City	COVINGTON
State	GA
Zip	30016-9165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 23 COWAN RIDGE
Legal Subdivision	COWAN RIDGE
Legal Lot Number	23
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 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
Mailing Address	95 COWAN RDG, COVINGTON, GA 30016-9165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Dec 21, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on Record
Deed Sale	Dec 15, 2017 · Amount on Record
Prior Sale	Jul 28, 2016 · Amount on Record
Deed Document Number	0003646253
Deed Book / Page	3646 / 253
Last Transfer Date	Dec 21, 2017
Transfer Doc	0036460253
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWTON GA
Property Address	95 COWAN RDG, COVINGTON, GA 30016-9165
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 COWAN RDG, COVINGTON, GA 30016-9165

Mortgage

Document Number	0042610000000513
Date	Sep 10, 2021
Book Page	0000004261/0000000513
Instrument	017318

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2048

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	NEWTON GA
Recording Date	Dec 21, 2017
Property Address	95 COWAN RDG, COVINGTON, GA 30016-9165
Document Number	0036460253
Book / Page	003646 / 000253
Instrument Date	Dec 15, 2017
Instrument	14385
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 COWAN RDG COVINGTON GA 300169165, COVINGTON, GA 30016-9165

Mortgage

Document Number	36460255
Date	Dec 21, 2017
Book Page	003646/000255
Instrument	14386

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

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	$3,918.00 (+27.79%) Homeowner's exemption	$161,480 (+10.51%) Land $24,800 Building $136,680	$403,700 (+10.51%) Land $62,000 Building $341,700
2023		$146,120 Land $8,800 Building $137,320	$365,300 Land $22,000 Building $343,300
2022	$3,066.00

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
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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