Newton County property record for 95 Spring Lake Ter, Covington, GA 30016
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,740 sqft · built 2004 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $166,500 (Feb 2005) |
| Tax Bill | $3,144 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Jun 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0013C-00000-175-000 |
| Primary APN | 0013C-00000-175-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,740 sqft Heated Area |
| 1st Floor Area | 1,104 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 6371 |
|---|---|
| Street Address | 95 SPRING LAKE TER |
| City | COVINGTON |
| State | GA |
| Zip | 30016-1309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 446 THE FIELDS OF ELLI |
| Legal Subdivision | SPRINGS & FIELDS OF ELLINGTON |
| Legal Lot Number | 446 |
| Jurisdiction | NEWTON GA |
| Township / Civil Division | COVINGTON-PORTERDALE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 100903 |
95 Spring Lake Ter is owned and occupied by an individual who bought it in February 2005.
Source: Newton County records, as of March 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 95 SPRING LAKE TER, COVINGTON, GA 30016-1309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUILD MORTGAGE |
| Jun 14, 2021 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING |
| Feb 27, 2019 | Deed of Trust, Mortgage · FHA Mortgage SUNTRUST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2005 · Amount on File |
| Deed Sale | Feb 8, 2005 · Amount on File |
| Deed Book / Page | 1843 / 460 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 95 SPRING LAKE TER, COVINGTON, GA 30016-1309 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 95 SPRING LAKE TER, COVINGTON, GA 30016-1309 |
| Document Number | 0047970000000002 |
|---|---|
| Date | Jan 15, 2026 |
| Book Page | 0000004797/0000000002 |
| Instrument | D2026-000515 |
| Name | GUILD MORTGAGE |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 95 SPRING LAKE TER, COVINGTON, GA 30016-1309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 95 SPRING LAKE TER, COVINGTON, GA 30016-1309 |
| Document Number | 0042110000000328 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 0000004211/0000000328 |
| Instrument | 011075 |
| Name | FIGURE LENDING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWTON GA |
| Property Address | 95 SPRING LAKE TER, COVINGTON, GA 30016-1309 |
| Document Number | 0038110067 |
| Instrument Date | Feb 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2019 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 848 CONFEDERATE AVE SE ATLANTA GA 303123650, ATLANTA, GA 30312-3650 |
| Document Number | 0038110067 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | 003811/000067 |
| Instrument | 2729 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Mar 4, 2047 |
The 2025 property tax bill for 95 Spring Lake Ter was $3,144 with a homeowner's exemption.
Source: Newton County assessment roll, as of December 16, 2025
| Type | Name |
|---|---|
| State | Georgia |
| County | Newton County |
| Unified School District | Newton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,144.00 Homeowner's exemption | $128,440 Land $17,600 Building $110,840 | $321,100 Land $44,000 Building $277,100 |
| 2023 | $133,480 Land $4,800 Building $128,680 | $333,700 Land $12,000 Building $321,700 | |
| 2022 | $3,076.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Spring Lake Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 30, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 95 Spring Lake Ter is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 87% of Georgia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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