Tipton County property record for 1316 Hwy 54 E, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,305 sqft · built 1979 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Aug 2020) |
| Tax Bill | $609 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 084042 00201 |
| Primary APN | 084042 00201 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,305 sqft Living Area |
| 1st Floor Area | 1,305 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 44,431 sqft (1.02 acres) |
| Garage Type | Finished |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Patio Area | 400 sqft |
| Utility Building | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 1316 HIGHWAY 54 E |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C61 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 40602 |
Source: Tipton County records · APN 084042 00201
Assessment roll updated January 21, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1316 HIGHWAY 54 E, COVINGTON, TN 38019-7111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 31, 2020 | Warranty Deed, Transfer · FHA Mortgage COMMUNITY MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on Record |
| Deed Sale | Aug 31, 2020 · Amount on Record |
| Prior Sale | Jul 08, 2016 · Amount on Record |
| Deed Document Number | 2020236523 |
| Deed Book / Page | 1859 / 264 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | May 15, 2026 |
| Property Address | 1316 HIGHWAY 54 E, COVINGTON, TN 38019-7111 |
| Document Number | 0000292394 |
| Book / Page | 2124 / 937 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 2026292394 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 1316 HIGHWAY 54 E, COVINGTON, TN 38019-7111 |
| Document Number | 0000292394, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 2124/937 |
| Instrument | 2026292394 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Aug 31, 2020 |
| Property Address | 1316 HIGHWAY 54 E, COVINGTON, TN 38019-7111 |
| Document Number | 0001859264 |
| Book / Page | 1859 / 264 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 236523 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $536.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1316 HIGHWAY 54 E, COVINGTON, TN 38019-7111 |
| Document Number | 0000236524 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 236524 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: Tipton County records · Assessment roll updated January 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $609.00 (+6.47%) | $40,000 (-) Land $6,025 Building $33,975 | |
| 2023 | $40,000 Land $6,025 Building $33,975 | ||
| 2022 | $572.00 | ||
| 2020 | $160,000 Land $24,100 Building $135,900 |
Source: FEMA National Flood Hazard Layer as of August 28, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Aeneas Communications Fiber | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 45 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COVINGTON WATER DEPT serves 14,334 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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