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51 Paul Smith Rd, Covington, GA, 30014

4beds
3baths
2,750sqft
$535,000
$195price/sqft
$3,619/moest. monthly cost
$144,760/yrincome needed

About This Home

Welcome to Walton County living at its finest! The Maddox Plan offers the perfect blend of modern comfort and peaceful country living on 2.4 acres with NO HOA and is USDA eligible. Featuring 4 bedrooms, 3 bathrooms, and a 3-car garage, this thoughtfully designed home offers an inviting open-concept layout perfect for everyday living and entertaining. The beautiful kitchen features white cabinetry, granite countertops, tiled backsplash, black hardware and a spacious island that opens to the breakfast area and family room. Enjoy cozy evenings by the fireplace with custom built-ins, plus a formal dining room conveniently located just off the kitchen. Primary bathroom features separate tub and tiled shower with penny round shower flooring, double vanities, and a huge walk-in closet that leads into the laundry room! Located in the desirable Walnut Grove Elementary and Youth Middle School District, this home provides privacy and tranquility while still being just minutes from downtown Monroe. Ask us about the builder's incentives and the 1 year home warranty along with the 10 year structural warranty

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

7/10
7/10
Youth Middle SchoolGrades 6-83.4 mi
6/10
Walnut Grove High SchoolGrades 9-122.7 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Microwave,Oven,Stainless Steel Appliance(s)
  • Laundry features: Upper Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Separate Room

Features

  • Bookcases,Double Vanity,High Ceilings,Separate Shower,Tray Ceiling(s),Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,750
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 2,750
  • Total interior livable area: 2,750 sqft

Kitchen

  • Features: Breakfast Area,Kitchen Island,Pantry,Solid Surface Counters

Property

Details

  • Parcel number: C0650020A00

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Porch
  • Waterbody name: None
  • Residential vegetation: Wooded

Lot

  • Lot size: 2.40 Acres
  • Features: Other

Parking

  • Parking features: Attached,Garage,Garage Door Opener,Kitchen Level
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Hail
Inland Flooding
Ice Storm
Tornado

FEMA Declared Disasters Across Georgia Counties

Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,705$32,460
Home Insurance *$326$3,912
Property Taxes $321$3,852
Electricity $267$3,206
Total$3,619$43,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,080/yr
40% on housing$108,570/yr
45% on housing$96,506/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 30014$134
Walton County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 30014$153
Walton County$171

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$535,000
2026-07-09Price change$535,000
2026-06-05Listed for sale$549,900

New Construction

AgentDoug Minton
BrokerageKeller Williams Realty Atl. Partners

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