1194 Hwy 54 E, Covington, TN 38019 Property Records

Tipton County property record for 1194 Hwy 54 E, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,932 sqft · built 1972
Lot Size	0.64 acres (27,885 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Oct 2025)
Tax Bill	$1,298 (2022)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jan 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`084042A A 01700`

Property Details

APN / Parcel Number

Primary APN	`084042A A 01700`
Alternative APN	`042A A 01700`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,932 sqft Living Area
1st Floor Area	1,932 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,885 sqft (0.64 acres)
Lot Dimensions	195 ft deep x 143 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	476 sqft
Carport	Carport
Carport Area	476 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	385 sqft
Patio Area	225 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1194 HIGHWAY 54 E
City	COVINGTON
State	TN
Zip	38019-7109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C49
Legal Subdivision	EASTERN HGTS
Legal Lot Number	17
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1030
Census Tract	40602

Owner

1194 Hwy 54 E is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA
Jan 29, 2024	Intrafamily Transfer, Transfer
Feb 25, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Sep 6, 2018	Warranty Deed, Transfer
Jan 17, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jan 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Feb 25, 2022 · Amount on File
Deed Document Number	2025287755
Deed Book / Page	2101 / 995
Prior Transfer Date	Jan 23, 2024
Prior Transfer Doc	0002027124
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Oct 31, 2025
Property Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109
Document Number	0002101995
Book / Page	2101 / 995
Instrument Date	Oct 31, 2025
Instrument	287755
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$999.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109
Investor	Possibly a Property Investor

Mortgage

Document Number	0000287756
Date	Oct 31, 2025
Instrument	287756

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 5, 2055

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TIPTON TN
Recording Date	Jan 29, 2024
Property Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109
Document Number	0002027124
Book / Page	2027 / 124
Instrument Date	Jan 23, 2024
Instrument	272017
Transaction Type	Transfer
Record Updated	Feb 8, 2024

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
Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Feb 25, 2022
Property Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109
Document Number	0001947594
Book / Page	1947 / 594
Instrument Date	Feb 25, 2022
Instrument	254426
Transaction Type	Transfer
Record Updated	Mar 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109

Mortgage

Document Number	0000254427
Date	Feb 25, 2022
Instrument	254427

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Sep 6, 2018
Property Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109
Document Number	0001772310
Book / Page	1772 / 310
Instrument Date	Sep 6, 2018
Instrument	216762
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount 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	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jan 17, 2017
Property Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109
Document Number	1710830
Book / Page	001710 / 000830
Instrument Date	Jan 13, 2017
Instrument	201167
Transaction Type	Transfer
Record Updated	Jan 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$247.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3681 MT CARMEL RD COVINGTON TN 380197229, COVINGTON, TN 38019-7229

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIPTON TN
Recording Date	Jan 17, 2017
Property Address	1194 HIGHWAY 54 E, COVINGTON, TN 38019-7109
Document Number	1710828
Book / Page	001710 / 000828
Instrument Date	Jan 5, 2017
Instrument	201166
Transaction Type	Transfer
Record Updated	Jan 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 HARVEST TRAIL LN COVINGTON TN 380197564, COVINGTON, TN 38019-7564

Tax Assessment & Valuation

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

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		$56,625 (-) Land $5,300 Building $51,325
2024		$56,625 (-) Land $5,300 Building $51,325
2023		$56,625 (+43.08%) Land $5,300 Building $51,325
2022	$1,298.00	$39,575 Land $3,900 Building $35,675	$158,300 Land $15,600 Building $142,700
2020			$226,500 Land $21,200 Building $205,300

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 maps place 1194 Hwy 54 E in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.

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

Wildfire risk around 1194 Hwy 54 E is low, with less than a 0.01% annual chance of 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	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	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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Aeneas Communications Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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