1014 Whitley St, Covington, TN 38019 Property Records

Tipton County property record for 1014 Whitley St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,441 sqft · built 1993
Lot Size	0.333 acres (14,520 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Nov 2021)
Tax Bill	$1,052 (2022)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`084041O B 06000`

Property Details

APN / Parcel Number

Primary APN	`084041O B 06000`
Alternative APN	`041O B 06000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,441 sqft Living Area
1st Floor Area	1,441 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,520 sqft (0.333 acres)
Lot Dimensions	132 ft deep x 110 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	12 sqft
Deck Area	403 sqft
Patio Area	403 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1014 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	7 110
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	1014 WHITLEY ST, COVINGTON, TN 38019-3303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 2, 2021	Warranty Deed, Transfer · FHA Mortgage PATRIOT BANK
May 5, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Feb 10, 2020	Quit Claim Deed, Transfer MID-SOUTH TITLE SERVICES LLC, MID-SOUTH TITLE SVCS LLC
Feb 5, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Prior Sale	May 5, 2020 · Amount on Record
Deed Document Number	250959
Deed Book / Page	1930 / 1016
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	1014 WHITLEY ST, COVINGTON, TN 38019-3303
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 WHITLEY ST, COVINGTON, TN 38019-3303

Mortgage

Document Number	0002106671
Date	Dec 10, 2025
Book Page	2106/671
Instrument	288671

Lender

Name	US BANK NA
Type	Bank
Address	2800 TAMARACK RD, OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Nov 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Nov 2, 2021
Property Address	1014 WHITLEY ST, COVINGTON, TN 38019-3303
Document Number	19301016
Book / Page	1930 / 1016
Map Reference	CAB B PG 129
Instrument Date	Oct 29, 2021
Instrument	250959
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	HOME SURETY TITLE AND ESCROW LLC, HOME SURETY T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$629.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 WHITLEY ST, COVINGTON, TN 38019-3303

Mortgage

Document Number	250960
Date	Nov 2, 2021
Instrument	250960

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	May 5, 2020
Property Address	1014 WHITLEY ST, COVINGTON, TN 38019-3303
Document Number	1842416
Book / Page	1842 / 416
Map Reference	CAB B SL 129
Instrument Date	Apr 30, 2020
Instrument	232960
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CLOSE TRAK CLOSING & TTL SVC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$536.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 WHITNEY SHEXT, COVINGTON, TN 38019

Mortgage

Document Number	232961
Date	May 5, 2020
Instrument	232961

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIPTON TN
Recording Date	Feb 10, 2020
Property Address	1014 WHITLEY ST, COVINGTON, TN 38019-3303
Document Number	1831262
Book / Page	001831 / 000262
Instrument Date	Feb 7, 2020
Instrument	230553
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	MID-SOUTH TITLE SERVICES LLC, MID-SOUTH TITLE SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8225 QUINTARD ST #203 ARLINGTON TN 38002, 203, ARLINGTON, TN 38002
Investor	Possibly a Property Investor

February 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	TIPTON TN
Recording Date	Feb 5, 2020
Property Address	1014 WHITLEY ST, COVINGTON, TN 38019-3303
Document Number	1830735
Book / Page	001830 / 000735
Instrument Date	Jan 21, 2020
Instrument	230410
Transaction Type	Foreclosure
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$216.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 S ORLEANS ST MEMPHIS TN 381033320, MEMPHIS, TN 38103-3320

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		$45,700 (-) Land $7,425 Building $38,275
2023		$45,700 (+42.59%) Land $7,425 Building $38,275
2022	$1,052.00	$32,050 Land $5,450 Building $26,600	$128,200 (-29.87%) Land $21,800 Building $106,400
2020			$182,800 Land $29,700 Building $153,100

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 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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