107 Bess Ln, Covington, TN 38019 Property Records

Tipton County property record for 107 Bess Ln, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,225 sqft · built 1976
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Mar 2023)
Tax Bill	$425 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084019 02301`

Property Details

APN / Parcel Number

Primary APN	`084019 02301`
Alternative APN	`019 02301`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,225 sqft Living Area
1st Floor Area	1,225 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1994
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	88 sqft
Deck Area	319 sqft
Patio Area	319 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	107 BESS LN
City	COVINGTON
State	TN
Zip	38019-4203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C61
Legal Subdivision	J F WHALEY ESTATE
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1009
Census Tract	40602

Owner

Source: Tipton County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	107 BESS LN, COVINGTON, TN 38019-4203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Warranty Deed, Transfer · FHA Mortgage LEADERS CU
Jan 13, 2022	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Jan 13, 2022	Affidavit of Death of Joint Tenant, Transfer
Jan 13, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2023 · Amount on Record
Deed Sale	Mar 28, 2023 · Amount on Record
Prior Sale	Jan 13, 2022 · Amount on Record
Deed Document Number	2023265131
Deed Book / Page	1994 / 911
Prior Transfer Date	Dec 28, 2021
Prior Transfer Doc	0001942192
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Mar 28, 2023
Property Address	107 BESS LN, COVINGTON, TN 38019-4203
Document Number	0001994911
Book / Page	1994 / 911
Instrument Date	Mar 27, 2023
Instrument	265131
Transaction Type	Transfer
Record Updated	May 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 BESS LN, COVINGTON, TN 38019-4203

Mortgage

Document Number	0000265132
Date	Mar 28, 2023
Instrument	265132

Lender

Name	LEADERS CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jan 13, 2022
Property Address	107 BESS LN, COVINGTON, TN 38019-4203
Document Number	0001942196
Book / Page	1942 / 196
Instrument Date	Jan 5, 2022
Instrument	253197
Transaction Type	Transfer
Record Updated	Jan 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$505.05
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 489, RIPLEY, TN 38063-0489

Mortgage

Document Number	0000253198
Date	Jan 13, 2022
Instrument	253198

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	TIPTON TN
Recording Date	Jan 13, 2022
Property Address	107 BESS LN, COVINGTON, TN 38019-4203
Document Number	0001942192
Book / Page	1942 / 192
Instrument Date	Dec 28, 2021
Instrument	253195
Transaction Type	Transfer
Record Updated	Jan 25, 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

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	TIPTON TN
Recording Date	Jan 13, 2022
Property Address	107 BESS LN, COVINGTON, TN 38019-4203
Document Number	0001942194
Book / Page	1942 / 194
Instrument Date	Dec 28, 2021
Instrument	253196
Transaction Type	Transfer
Record Updated	Jan 25, 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

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$425.00 (+21.43%)	$27,900 (-) Land $5,275 Building $22,625
2023		$27,900 Land $5,275 Building $22,625
2022	$350.00
2020			$111,600 Land $21,100 Building $90,500

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

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	6 in force
Nearby Flood Claims	3 (2010–2025)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 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	Low lower than 99.1% of the US · lower than 99.2% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000

May also be available: Xfinity.

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