Tipton County property record for 1041 Whaley Rd, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,614 sqft · built 2021 |
| Lot Size | 1.91 acres (83,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $339,900 (Jan 2024) |
| Tax Bill | $1,067 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084069 02107 |
| Primary APN | 084069 02107 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,614 sqft Living Area |
| 1st Floor Area | 1,614 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 83,200 sqft (1.91 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 208 sqft |
| Utility Building | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1041 WHALEY RD |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | WHALEY-WHALEY RD |
| Legal Lot Number | 1 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 40602 |
Source: Tipton County records · APN 084069 02107
Assessment roll updated January 21, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 1041 WHALEY RD, COVINGTON, TN 38019-7201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NATIONAL BANK |
| Dec 13, 2024 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 04, 2024 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 04, 2024 · Amount on Record |
| Deed Sale | Jan 04, 2024 · Amount on Record |
| Prior Sale | Mar 01, 2017 · Amount on Record |
| Deed Document Number | 2024271584 |
| Deed Book / Page | 2025 / 174 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 1041 WHALEY RD, COVINGTON, TN 38019-7201 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001934264 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 1934/264 |
| Instrument | 251585 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 1041 WHALEY RD, COVINGTON, TN 38019-7201 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1041 WHALEY RD, COVINGTON, TN 38019-7201 |
| Document Number | 0002063782 |
|---|---|
| Date | Dec 13, 2024 |
| Book Page | 2063/782 |
| Instrument | 279601 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1400 FORUM BLVD STE 18, COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Jan 04, 2024 |
| Property Address | 1041 WHALEY RD, COVINGTON, TN 38019-7201 |
| Document Number | 0002025174 |
| Book / Page | 2025 / 174 |
| Map Reference | CAB H SL 1028 |
| Instrument Date | Dec 27, 2023 |
| Instrument | 271584 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,257.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1041 WHALEY RD, COVINGTON, TN 38019-7201 |
| Document Number | 0000271585 |
|---|---|
| Date | Jan 04, 2024 |
| Instrument | 271585 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2054 |
Source: Tipton County records · Assessment roll updated January 21, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,067.00 (+6.38%) | $70,150 (-) Land $8,900 Building $61,250 | |
| 2023 | $70,150 (+42.65%) Land $8,900 Building $61,250 | ||
| 2022 | $1,003.00 | $49,175 Land $6,550 Building $42,625 | $196,700 (-29.9%) Land $26,200 Building $170,500 |
| 2020 | $280,600 Land $35,600 Building $245,000 |
Source: FEMA National Flood Hazard Layer as of August 28, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Aeneas Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 13 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COVINGTON WATER DEPT serves 14,334 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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