1005 Whitley St, Covington, TN 38019 Property Records

Tipton County property record for 1005 Whitley St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,566 sqft · built 1992
Lot Size	0.323 acres (14,070 sqft)
Owner	2 Individual Names on File
Last Sale	$130,500 (Jun 2022)
Tax Bill	$1,274 (2022)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`084041O B 05100`

Property Details

APN / Parcel Number

Primary APN	`084041O B 05100`
Alternative APN	`041O B 05100`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,566 sqft Living Area
1st Floor Area	1,566 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2004
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,070 sqft (0.323 acres)
Lot Dimensions	134 ft deep x 105 ft wide
Garage Type	Finished
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	148 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1005 WHITLEY ST
City	COVINGTON
State	TN
Zip	38019-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C20
Legal Subdivision	ARLINGTON HGTS SEC D
Legal Lot Number	26
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	5
Census Block	5023
Census Tract	40700

Owner

1005 Whitley St is owned and occupied by two individuals who acquired it in August 2022.

Source: Tipton County records, as of March 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1005 WHITLEY ST, COVINGTON, TN 38019-3321
Occupancy	Owner Occupied
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
Oct 3, 2022	Warranty Deed, Transfer · FHA Mortgage CME LENDING GROUP LLC
Aug 29, 2022	Intrafamily Transfer, Transfer
Jun 15, 2022	Trustee's Deed, Foreclosure
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NAT'L BK
Aug 11, 2017	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2022 · Amount on File
Deed Sale	Jun 15, 2022 · Amount on File
Prior Sale	Aug 11, 2017 · Amount on File
Deed Document Number	2022257887
Deed Book / Page	1963 / 439
Last Transfer Date	Aug 17, 2022
Transfer Doc	0000197362
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Oct 3, 2022
Property Address	1005 WHITLEY ST, COVINGTON, TN 38019-3321
Document Number	0000197715
Book / Page	1977 / 15
Map Reference	CAB B SL 129
Instrument Date	Sep 26, 2022
Instrument	260956
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 WHITLEY ST, COVINGTON, TN 38019-3321

Mortgage

Document Number	0000260957
Date	Oct 3, 2022
Instrument	260957

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TIPTON TN
Recording Date	Aug 29, 2022
Property Address	1005 WHITLEY ST, COVINGTON, TN 38019-3321
Document Number	0000197362
Book / Page	1973 / 62
Map Reference	CAB B SL 129
Instrument Date	Aug 17, 2022
Instrument	260025
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 QUINTORA ST #203 # 203, 203, ARLINGTON, TN 38002

June 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	TIPTON TN
Recording Date	Jun 15, 2022
Property Address	1005 WHITLEY ST, COVINGTON, TN 38019-3321
Document Number	0001963439
Book / Page	1963 / 439
Map Reference	CAB B PG 129
Instrument Date	Apr 29, 2022
Instrument	257887
Transaction Type	Foreclosure
Record Updated	Sep 28, 2022

Transaction

Amount	Amount on Record
Tax	$482.85
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6225 QUINTARD ST STE 203, 203, ARLINGTON, TN 38002-5416

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	1005 WHITLEY ST, COVINGTON, TN 38019-3321
Document Number	1823726
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 WHITLEY ST COVINGTON TN 380193321, COVINGTON, TN 38019-3321

Mortgage

Document Number	1823726
Date	Dec 5, 2019
Book Page	001823/000726
Instrument	228778

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	MILLINGTON, TN 38053

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 4, 2024

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Aug 11, 2017
Property Address	1005 WHITLEY ST, COVINGTON, TN 38019-3321
Document Number	0000173180
Book / Page	1731 / 80
Instrument Date	Aug 7, 2017
Instrument	206573
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 WHITLEY ST, COVINGTON, TN 38019-3321

Mortgage

Document Number	0000173182
Date	Aug 11, 2017
Book Page	1731/82
Instrument	206574

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

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		$55,475 Land $7,100 Building $48,375
2023		$55,475 Land $7,100 Building $48,375
2022	$1,274.00
2020			$221,900 Land $28,400 Building $193,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1005 Whitley 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 1005 Whitley 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 96% of the US · lower than 96% 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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