Fountain County property record for 1197 13th St, Covington, IN 47932
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,072 sqft · built 1998 |
| Lot Size | 0.359 acres (15,638 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,575 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Feb 2013 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018B082541700100 |
| Primary APN | 018B082541700100 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 1 Room |
| Stories | 2 Stories |
| Building Area | 2,072 sqft Living Area |
| 1st Floor Area | 2,072 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 988 sqft |
| Game Room | Game Room |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 15,638 sqft (0.359 acres) |
| Garage Type | Attached |
| Garage Area | 828 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 314 sqft |
| Deck Area | Deck Area |
| Patio Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00000991845 |
|---|---|
| Street Address | 1197 13TH ST |
| City | COVINGTON |
| State | IN |
| Zip | 47932-1390 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | COVIN |
| Legal Description | 018-01167-04 PT W1/2 SE 25-20-9 .359A MP B08-25-417-00100 |
| Jurisdiction | FOUNTAIN IN |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 957800 |
1197 13th St is owned and occupied by an individual who acquired it in November 2019.
Source: Fountain County records, as of June 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1197 13TH ST, COVINGTON, IN 47932-1390 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTREBANK |
| Feb 27, 2013 | Deed of Trust, Mortgage CENTREBANK |
| Dec 10, 2025 | Warranty Deed, Transfer · Conventional Mortgage CENTREBANK |
| Nov 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2019 |
| Deed Sale | Nov 13, 2019 |
| Deed Document Number | 20192607 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FOUNTAIN IN |
| Property Address | 1197 13TH ST, COVINGTON, IN 47932-1390 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202003111 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 202003111 |
| Name | CENTREBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FOUNTAIN IN |
| Property Address | 1197 13TH ST, COVINGTON, IN 47932-1390 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0201300555 |
|---|---|
| Date | Feb 27, 2013 |
| Instrument | 201300555 |
| Name | CENTREBANK |
|---|---|
| Address | PO BOX 247, VEEDERSBURG, IN 47987 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Mar 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FOUNTAIN IN |
| Recording Date | Dec 10, 2025 |
| Property Address | 1197 13TH ST, COVINGTON, IN 47932-1390 |
| Document Number | 0202502937 |
| Instrument Date | Dec 5, 2025 |
| Instrument | 202502937 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1197 13TH ST, COVINGTON, IN 47932-1390 |
| Document Number | 0202502938 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 202502938 |
| Name | CENTREBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FOUNTAIN IN |
| Recording Date | Nov 13, 2019 |
| Property Address | 1197 13TH ST, COVINGTON, IN 47932-1390 |
| Document Number | 0201902607 |
| Instrument Date | Oct 28, 2019 |
| Instrument | 201902607 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1197 13TH ST, COVINGTON, IN 47932-1390 |
| Document Number | 0201902608 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | 201902608 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1197 13th St was $2,575 with a homeowner's exemption, up 1.6% from the year before.
Source: Fountain County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Fountain County |
| County Subdivision | Troy Township |
| Municipality | Covington City |
| Unified School District | Covington Community School Corporation (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,575.00 (+1.58%) Homeowner's exemption | $286,200 (+12.9%) Land $43,500 Building $242,700 | $286,200 (+12.9%) Land $43,500 Building $242,700 |
| 2024 | $2,535.00 (+1.64%) Homeowner's exemption | $253,500 (+3.64%) Land $43,500 Building $210,000 | $253,500 (+3.64%) Land $43,500 Building $210,000 |
| 2023 | $2,494.00 (+8.58%) | $244,600 (+5.29%) Land $37,300 Building $207,300 | $244,600 (+5.29%) Land $37,300 Building $207,300 |
| 2022 | $2,297.00 Homeowner's exemption | $232,300 Land $37,300 Building $195,000 | $232,300 Land $37,300 Building $195,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1197 13th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.
Source: FEMA National Flood Hazard Layer, effective February 6, 2013 · 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 | 2 in force |
| Nearby Flood Claims | 2 (2005–2013) |
| Most Recent Claim | May 2013 · river or lake flooding |
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.
The area around 1197 13th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COVINGTON WATER DEPARTMENT serves 2,645 people · EPA ID IN5223002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected currently in violation since Nov 2025 |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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