124 Hcr 1431, Covington, TX 76636 Property Records

Hill County property record for 124 Hcr 1431, Covington, TX 76636

Property Summary

Property Type	Rural Home
Details	2 ba · 2,120 sqft · built 2018
Lot Size	6.87 acres (299,606 sqft)
Owner	Individual Name on Record
Tax Bill	$5,410 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16110-55500-90872-001000`

Property Details

APN / Parcel Number

Primary APN	`16110-55500-90872-001000`
Alternative APN	`141268`

Interior

Full Baths	2 Baths
Building Area	2,120 sqft Living Area
Gross Area	5,156 sqft
1st Floor Area	1,998 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Composition/Composite
Roof Type	Gable
Lot Area	299,606 sqft (6.87 acres)
Garage Type	Detached
Garage Area	816 sqft
Porch	Porch
Porch Area	322 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16110-55500-90872-001000
Street Address	124 HCR 1431
City	COVINGTON
State	TX
Zip	76636-4654
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	J MCCARTER A-555 TR 87B LT 1 & 4 6.878 AC
Legal Subdivision	JOHN M MCCARTER SURVEY A-
Legal Tract	87B
Legal Lot Number	1,4
Jurisdiction	HILL TX
Township / Civil Division	ITASCA
Census Block Group	3
Census Block	3058
Census Tract	960100

Owner

Source: Hill County records, as of September 23, 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 Record
Mailing Address	124 HCR 1431, COVINGTON, TX 76636-4654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC
Jul 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	124 HCR 1431, COVINGTON, TX 76636-4654
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	LENDERS TITLE SOLUTIONS, LENDERS TITLE SOLUTIONS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001899/788
Date	Mar 10, 2017
Book Page	1899/788
Instrument	00087032

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	124 HCR 1431, COVINGTON, TX 76636-4654
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002059/751
Date	Jul 30, 2020
Book Page	2059/751
Instrument	114003

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Hill County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Texas
Municipality	Covington City
County	Hill County
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,410.00 (+248.81%)	$280,306 (-23.63%)	$399,540 (+8.85%) Land $136,870 Building $262,670
2025	$1,551.00 (+16.44%) Homeowner's exemption	$367,040 (+53.18%) Land $136,870 Building $230,170	$367,040 (-6.69%) Land $136,870 Building $230,170
2023		$239,612	$393,360 Land $181,580 Building $211,780
2022	$1,332.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · 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	8 in force

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	High above 77% of the US · above 70% of Texas
Wildfire Likelihood	0.3% 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 WORKS serves 717 people · EPA ID TX1090021
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fixed Wireless	300 / 60
Nextlink Fixed Wireless	100 / 20
Windstream DSL	25 / 3

May also be available: AT&T.

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