104 Gratitude Dr, Covington, LA 70433 Property Records

St. Tammany Parish property record for 104 Gratitude Dr, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	2,247 sqft · built 1994
Lot Size	0.222 acres (9,694 sqft)
Owner	2 Individual Names on Record
Last Sale	$217,000 (Apr 2021)
Tax Bill	$1,998 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2023 Mortgage + 2 more
APN	`106-112-8809`

Property Details

APN / Parcel Number

Primary APN	`106-112-8809`
Alternative APN	`21431`

Interior

Building Area	2,247 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	9,694 sqft (0.222 acres)
Garage Area	433 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	104 GRATITUDE DR
City	COVINGTON
State	LA
Zip	70433-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 140 COVINGTON POINT SUB WEST HALF CB 1544 401 CB 1553 567 INST NO 913086 INST NO 1007799
Legal Subdivision	COVINGTON POINT
Legal Lot Number	140
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	2
Census Block Group	1
Census Block	1024
Census Tract	40205

Owner

Source: St. Tammany Parish records, as of June 5, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	104 GRATITUDE DR, COVINGTON, LA 70433-1534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
May 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage HUD
Apr 16, 2021	Deed, Transfer · Conventional Mortgage ACE MORTGAGE
Jan 4, 2021	Cash Sale Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Prior Sale	Jan 4, 2021 · Amount on Record
Deed Document Number	20212264359
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Recording Date	May 12, 2026
Property Address	104 GRATITUDE DR, COVINGTON, LA 70433-1534
Document Number	0002491413
Instrument Date	May 12, 2026
Instrument	20262491413
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 GRATITUDE DR, COVINGTON, LA 70433-1534

Mortgage

Document Number	0002491413,
Date	May 12, 2026
Instrument	20262491413

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	104 GRATITUDE DR, COVINGTON, LA 70433-1534
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002370040
Date	May 1, 2023
Instrument	2370040

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	May 1, 2051

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Apr 16, 2021
Property Address	104 GRATITUDE DR, COVINGTON, LA 70433-1534
Document Number	0002264359
Instrument Date	Apr 12, 2021
Instrument	2264359
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	530 TWIN RIVER DR, COVINGTON, LA 70433-8508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 GRATITUDE DR, COVINGTON, LA 70433-1534

Mortgage

Document Number	0002264360
Date	Apr 16, 2021
Instrument	2264360

Lender

Name	ACE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2021: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Jan 4, 2021
Property Address	104 GRATITUDE DR, COVINGTON, LA 70433-1534
Document Number	0002244912
Map Reference	DOC 1007799
Instrument Date	Dec 16, 2020
Instrument	2244912
Transaction Type	Transfer
Record Updated	Apr 6, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1646, COVINGTON, LA 70434-1646

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 TWIN RIVER DR, COVINGTON, LA 70433-8508

Tax Assessment & Valuation

Source: St. Tammany Parish assessment roll, as of February 6, 2026

Property Jurisdictions

Type	Name
State	Louisiana
County	St. Tammany Parish
Municipality	Covington City
Unified School District	St. Tammany Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,998.00 (-3.76%) Homeowner's exemption	$25,103 (-) Land $3,000 Building $22,103	$251,030 (-) Land $30,000 Building $221,030
2024	$2,076.00 (+37.94%) Homeowner's exemption	$25,103 (+32.43%) Land $3,000 Building $22,103	$251,030 (+32.44%) Land $30,000 Building $221,030
2023	$1,505.00 Homeowner's exemption	$18,955 (-) Land $3,000 Building $15,955	$189,549 (-) Land $30,000 Building $159,549
2022	$1,505.00 Homeowner's exemption	$18,955 Land $3,000 Building $15,955	$189,549 Land $30,000 Building $159,549

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 289 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	289 in force
Nearby Flood Claims	37 (2005–2016)
Claims Outside the SFHA	19 of 37
Most Recent Claim	Aug 2016 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2016 · 33 claims Hurricane Katrina, Aug 2005 · 3 claims

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	Moderate above 51% of the US · above 76% of Louisiana
Wildfire Likelihood	0.1% 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	CITY OF COVINGTON WATER SUPPLY serves 16,185 people · EPA ID LA1103011
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected May 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: REV.

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