1003 Douglas St, Covington, TN 38019 Property Records

Tipton County property record for 1003 Douglas St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,096 sqft · built 1938
Lot Size	0.128 acres (5,580 sqft)
Owner	2 Individual Names on File
Last Sale	$17,000 (May 2016)
Tax Bill	$305 (2022)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`084041K F 00600`

Property Details

APN / Parcel Number

Primary APN	`084041K F 00600`
Alternative APN	`041K F 00600`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,096 sqft Living Area
1st Floor Area	1,096 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1960
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,580 sqft (0.128 acres)
Lot Dimensions	93 ft deep x 60 ft wide
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1003 DOUGLAS ST
City	COVINGTON
State	TN
Zip	38019-3127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C82
Legal Subdivision	KNOB HEIGHTS SUBDIVISION
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	5
Census Block	5016
Census Tract	40700

Owner

1003 Douglas St is owned by two individuals who bought it in May 2016.

Source: Tipton County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2422 SCRUB OAK RD, STANTON, TN 38069-5469
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage INSOUTH BANK
Oct 5, 2021	Deed of Trust, Mortgage INSOUTH BANK
Mar 10, 2017	Deed of Trust, Mortgage INSOUTH BANK
Apr 30, 2020	Loan Modification, Mortgage INSOUTH BK
May 2, 2017	Deed of Trust, Mortgage INSOUTH BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2016 · Amount on File
Deed Sale	May 23, 2016 · Amount on File
Prior Sale	Dec 13, 2004 · Amount on File
Deed Document Number	2016195000
Deed Book / Page	1686 / 1091
Prior Transfer Date	Aug 10, 2011
Prior Transfer Doc	0001523568
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	1003 DOUGLAS ST, COVINGTON, TN 38019-3127
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2422 SCRUB OAK RD, STANTON, TN 38069-5469
Investor	Possibly a Property Investor

Mortgage

Document Number	0002022739
Date	Dec 6, 2023
Book Page	2022/739
Instrument	271063

Lender

Name	INSOUTH BANK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 4, 2024

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	1003 DOUGLAS ST, COVINGTON, TN 38019-3127
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1926356
Date	Oct 5, 2021
Book Page	1926/356
Instrument	250035

Lender

Name	INSOUTH BANK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Amount	Amount on Record
Term	36 Months
Due	Oct 4, 2024

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	1003 DOUGLAS ST, COVINGTON, TN 38019-3127
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1715370
Date	Mar 10, 2017
Book Page	1715/370
Instrument	202482

Lender

Name	INSOUTH BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	36 Months
Due	Apr 1, 2020

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	TIPTON TN
Property Address	1003 DOUGLAS ST, COVINGTON, TN 38019-3127
Document Number	1842499
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 DOUGLAS ST COVINGTON TN 380193127, COVINGTON, TN 38019-3127

Mortgage

Document Number	1842499
Date	May 5, 2020
Book Page	001842/000499
Instrument	232973

Lender

Name	INSOUTH BK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Amount	Amount on Record
Term	36 Months
Due	May 4, 2023

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	1003 DOUGLAS ST, COVINGTON, TN 38019-3127
Document Number	172191
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2422 SCRUB OAK RD STANTON TN 380695469, STANTON, TN 38069-5469

Mortgage

Document Number	172191
Date	May 5, 2017
Book Page	001721/000091
Instrument	203953

Lender

Name	INSOUTH BK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Amount	Amount on Record
Term	36 Months
Due	May 4, 2020

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Municipality	Covington City
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$13,250 Land $2,650 Building $10,600
2023		$13,250 Land $2,650 Building $10,600
2022	$305.00
2020			$53,000 Land $10,600 Building $42,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1003 Douglas St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · 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

Wildfire risk around 1003 Douglas St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.5% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COVINGTON WATER DEPT serves 14,334 people · EPA ID TN0000144
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 375 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	1,200 / 35

May also be available: T-Mobile, Verizon.

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