1010 Whitley St, Covington, TN 38019 Property Records

Tipton County property record for 1010 Whitley St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,608 sqft · built 1993
Lot Size	0.303 acres (13,200 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (May 2021)
Tax Bill	$1,278 (2022)
Deeds & Mortgages	Sep 2021 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084041O B 06200`

Property Details

APN / Parcel Number

Primary APN	`084041O B 06200`
Alternative APN	`041O B 06200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,608 sqft Living Area
1st Floor Area	1,608 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,200 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Patio Area	280 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1010 WHITLEY ST
City	COVINGTON
State	TN
Zip	38019-3303
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	5 100
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	5
Census Block	5023
Census Tract	40700

Owner

Source: Tipton County records, as of January 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1010 WHITLEY ST, COVINGTON, TN 38019-3303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
May 4, 2021	Warranty Deed, Transfer · Conventional Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Deed Document Number	244497
Deed Book / Page	1898 / 1013
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	1010 WHITLEY ST, COVINGTON, TN 38019-3303
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2187 WALTON LOOP, COVINGTON, TN 38019-5675

Mortgage

Document Number	1923575
Date	Sep 21, 2021
Book Page	1923/575
Instrument	249505

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	295 Months
Due	Apr 26, 2046

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	May 4, 2021
Property Address	1010 WHITLEY ST, COVINGTON, TN 38019-3303
Document Number	18981013
Book / Page	1898 / 1013
Map Reference	CAB B SL 129
Instrument Date	Apr 26, 2021
Instrument	244497
Transaction Type	Transfer
Record Updated	May 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$573.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 WHITLEY ST, COVINGTON, TN 38019-3303

Mortgage

Document Number	244498
Date	May 4, 2021
Instrument	244498

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Apr 26, 2046

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of May 20, 2025

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		$55,575 (-) Land $6,775 Building $48,800
2023		$55,575 Land $6,775 Building $48,800
2022	$1,278.00
2020			$222,300 Land $27,100 Building $195,200

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

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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