2 bedroom Single Family Residence at 4133 H D Atha Road, Covington, Covington — photo 1Front elevation
2 bedroom Single Family Residence at 4133 H D Atha Road, Covington, Covington — photo 2Living space
2 bedroom Single Family Residence at 4133 H D Atha Road, Covington, Covington — photo 3Kitchen
2 bedroom Single Family Residence at 4133 H D Atha Road, Covington, Covington — photo 4Owner's suite
2 bedroom Single Family Residence at 4133 H D Atha Road, Covington, Covington — photo 5Exterior / yardView all 37 photos →
New — 1 day on market Single Family Residence
$339,000
2-Bedroom Home in Covington

4133 H D Atha Road, Covington, GA 30014

Single Family Residence in Covington · No CDD
Covington · Covington, GA 30014 · Walton
Listing data updated September 21, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,542Sq Ft
1978Year Built
$220Per Sq Ft
No CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$220 here vs $220 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of September 21, 2026, 4133 H D Atha Road in Covington is listed at $339,000 (1,542 sq ft, about $220 per sq ft). It came to market within the past week. Listing facts: built in 1978, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1978 · 48 yrs
  • 1,542 sq ft of living area
  • New to market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 1978BuiltPer public record
  • Sep 19, 2026First trackedObserved at $339,000
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$2,326/mo
  • Principal & interest $1,795/mo 77%
  • Taxes $297/mo 13%
  • Insurance $184/mo 8%
  • HOA $50/mo 2%

$2,326/mo at 20% down, 30-yr @ 6.95% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

52/100
Strongest on: Renovation upside (56), Price vs area (50)
0 limited50100 exceptional

52/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area50
This home $220/sq ft vs the community 12-month median $220/sq ft.
Affordability50
List price $339,000 vs the community median $339,000. Not a measure of personal affordability.
Renovation upside56
From a 1978 build and $220/sq ft vs the community median $220/sq ft. Not a condition assessment.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $220 per square foot, about in line with the community’s $220 median. none’s 12-month median sold price per square foot is $220. MLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated September 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Discover the perfect blend of country living and equestrian convenience on this exceptional 2.98-acre horse property, nestled in a peaceful rural setting surrounded by other equestrian farms. This property is a short drive to Monroe, Georgia, where one can find a diverse selection of restaurants, shopping, breweries and community concerts! Designed with both horse enthusiasts and those seeking a tranquil lifestyle in mind, this fenced and cross-fenced property includes a barn with two very large walk-in stalls including hay storage, a tack room/shed with electricity, two pastures and a separately fenced backyard with chicken pen.

The current owner has comfortably maintained two horses, as well as goats and chickens, making this an ideal mini farm ready for your own animals and hobbies. The charming ranch-style home offers two bedrooms and two bathrooms with a warm, inviting blend of rustic character and modern updates. The spacious open-concept great room and dining area feature stunning hardwood beamed ceilings and upgraded luxury vinyl plank flooring, creating an inviting space for everyday living and entertaining.

A separate family room provides the perfect place to unwind, complete with a cozy wood-burning stove, exposed beam ceiling, and walls of windows framing picturesque pasture views and spectacular sunsets. The owner's suite offers a walk-in closet and a beautifully appointed ensuite bathroom with tile flooring, a walk-in shower, and space-saving pocket doors. The secondary bedroom features two closets and easy access to a full bathroom with tile flooring, a tub/shower combination, and pocket doors.

The well-appointed kitchen showcases solid surface countertops, a tiled backsplash, decorative glass-front and solid cabinet doors, a range oven, and an oversized sink. Just off the kitchen, the spacious laundry room and mudroom provide added functionality and lead directly to a large deck, making it easy to enjoy outdoor living and keep muddy boots and barn gear organized. Completing the home's many updates is a new HVAC system, providing energy-efficient heating and cooling for year-round comfort and peace of mind, new windows across the front and bedrooms, well pump and vapor barrier in the crawl space.

Ideally located for equestrian enthusiasts, this exceptional property offers the perfect blend of peaceful rural living and convenient access to premier horse facilities and riding destinations. This property is just 25 minutes from the Georgia International Horse Park and a half hour from the University of Georgia Equestrian Center. Countryside Equine Hospital, providing revolutionary equine care with cutting-edge diagnostics and advanced therapies to help your horse stay in peak condition is 10 minutes away.

Hard Labor Creek State Park is just a short drive and features a dedicated equestrian area with scenic horseback riding trails of varying lengths totaling up to 24 miles. For competitors and trail riders alike, the property is also approximately two hours from Aiken, South Carolina, one of the nation's most renowned equestrian destinations. Whether you're looking for a private horse farm, a hobby farm, or simply a peaceful retreat, this unique property is ready to welcome you home.

This property is also located in the Social Circle City Schools District with an option to attend schools in the Walnut Grove School District.

All 37 photos

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Description provided by The American Realty and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$339,000
Bed / bath2 / 2
Living area1,542 sq ft
Year built1978
Property typeSingle Family Residence
MLS #10848587
Listing statusNew — 1 day on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyWalton
Estimated first-year tax~$3,560/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$220
Estimated monthly payment$2,326
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$339,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of The American Realty · Listing agent: David Haymore · 855-399-8721Provided via the Georgia MLS (GAMLS) Internet Data Exchange · Source: Georgia MLS (GAMLS) · © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$299,148the mess$379,332

Actual list price: $339,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1978 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 209 active listings competing, 45 under contract

For reference, this home is listed at $339,000 ($220/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,542 sq ft × $194–$246/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 21, 2026.

Keep looking

Similar homes for sale near Covington

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Newest listings in Covington

  • 600 Cannon Drive · $265,000 · 2 bd / 1.0 ba · listed September 20, 2026 (courtesy of Communities Real Estate)
  • 408 Harris Street · $125,000 · 2 bd / 1.5 ba · listed September 19, 2026 (courtesy of Progressive Realty LLC)
  • 3919 McCullers Road · $375,000 · 3 bd / 2.0 ba · listed September 19, 2026 (courtesy of Keller Williams Greater Athens)
  • 1953 Barton Bridge Road · $1,138,850 · 4 bd / 3.5 ba · listed September 19, 2026 (courtesy of Algin Realty, Inc.)
  • 1052 Crystal Brook Way · $329,000 · 4 bd / 3.0 ba · listed September 19, 2026 (courtesy of Southern Classic Realtors)
  • 2920 Youth Monroe Road · $449,900 · 3 bd / 2.5 ba · listed September 19, 2026 (courtesy of Virtual Properties Realty.com)
Transparency

Price & listing history

Listed for $339,000Momentum Realty · on market 1 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$3,560/yr

A rough first-year estimate only, applying a typical Walton rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$2k–$3k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
Not on record

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 4133 H D Atha Road?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by The American Realty · MLS # 10848587

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in Covington

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the none neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$339,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$220

Canonical 12-month median $/sq ft. Reference only.

Explore Walton County

Browse market data, schools, taxes, and homes for sale across the county.

Assigned schools

Assigned schools

Schools currently assigned to this address in Walton County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

Social CircleAssigned elementary school · Walton County School District
Social CircleAssigned middle school · Walton County School District
Social CircleAssigned high school · Walton County School District
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$1,554 – $2,260/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$815 – −$180At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 4133 H D Atha Road, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1978 (48 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
  • Get a homeowners insurance quote for this specific address in Walton County; age of roof and any prior claims affect the premium.
  • Listed living area is 1,542 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $3,560/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordGeorgia MLS, refreshed twice daily (last: September 21, 2026)
Community market statsGeorgia MLS closed sales, as of September 21, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 4133 H D Atha Road and when was it built?

Per the listing record, 4133 H D Atha Road was built in 1978 and has 1,542 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 4133 H D Atha Road in?

4133 H D Atha Road is in Covington, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Covington from the same MLS data.

Does 4133 H D Atha Road have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

How are property taxes on 4133 H D Atha Road estimated?

The estimate on this page (about $3,560 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.

Is 4133 H D Atha Road in a flood zone?

A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 4133 H D Atha Road in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Georgia MLS (GAMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Georgia MLS (GAMLS). © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.