118 Wharton St, Covington, LA 70433 Property Records

St. Tammany Parish property record for 118 Wharton St, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	2,200 sqft · built 1994
Owner	Individual Name on File
Last Sale	$189,000 (Apr 2025)
Tax Bill	$1,585 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2017 Sale & Mortgage
APN	`106-116-4317`

Property Details

APN / Parcel Number

Primary APN	`106-116-4317`
Alternative APN	`21545`

Interior

Building Area	2,200 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	106-116-4317
Street Address	118 WHARTON ST
City	COVINGTON
State	LA
Zip	70433-1575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVINGTON POINT LT155 W .5
Legal Subdivision	COVINGTON POINT
Legal Lot Number	155
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	2
Census Block Group	1
Census Block	1024
Census Tract	40205

Owner

118 Wharton St is owned and occupied by an individual who bought it in April 2025.

Source: St. Tammany Parish records, as of February 5, 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 File
Co-owner	Co-owner on File
Mailing Address	118 WHARTON ST, COVINGTON, LA 70433-1575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · VA Mortgage GMFS LLC
Oct 12, 2017	Deed, Transfer · VA Mortgage GMFS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2025 · Amount on File
Deed Sale	Apr 16, 2025 · Amount on File
Prior Sale	Oct 12, 2017 · Amount on File
Deed Document Number	2445889
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	118 WHARTON ST, COVINGTON, LA 70433-1575
Transaction Type	Mortgage
Record Updated	Apr 6, 2023
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002295791
Date	Oct 14, 2021
Instrument	2295791

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Oct 12, 2017
Property Address	118 WHARTON ST, COVINGTON, LA 70433-1575
Document Number	0002082962
Map Reference	MAP 898B
Instrument Date	Aug 11, 2017
Instrument	2082962
Transaction Type	Transfer
Record Updated	Apr 6, 2023
Title Company	BROMAC TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WHARTON ST, COVINGTON, LA 70433-1575
Investor	Possibly a Property Investor

Mortgage

Document Number	0002082963
Date	Oct 12, 2017
Instrument	2082963

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 118 Wharton St was $1,585 with a homeowner's exemption, up 15.6% from the year before.

Source: St. Tammany Parish assessment roll, as of October 15, 2025

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	$1,585.00 (+15.61%) Homeowner's exemption	$21,173 (-) Land $3,000 Building $18,173	$211,725 (-) Land $30,000 Building $181,725
2024	$1,371.00 (+3.47%) Homeowner's exemption	$21,173 (+21.48%) Land $3,000 Building $18,173	$211,725 (+21.48%) Land $30,000 Building $181,725
2023	$1,325.00 Homeowner's exemption	$17,429 (-) Land $3,000 Building $14,429	$174,290 (-) Land $30,000 Building $144,290
2022	$1,325.00 Homeowner's exemption	$17,429 Land $3,000 Building $14,429	$174,290 Land $30,000 Building $144,290

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

FEMA has no flood map on file for 118 Wharton St; there have been 37 flood claims nearby since 2005.

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 File 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

Wildfire risk around 118 Wharton St is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 79% of Louisiana
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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