13187 Riverlake Dr, Covington, LA 70435 Property Records

St. Tammany Parish property record for 13187 Riverlake Dr, Covington, LA 70435

Property Summary

Property Type	Single Family Home
Details	2,039 sqft · built 2010
Owner	Individual Name on Record
Last Sale	$382,000 (Sep 2021)
Tax Bill	$3,896 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2023 Line of Credit + 3 more
APN	`107-120-7717`

Property Details

APN / Parcel Number

Primary APN	`107-120-7717`
Alternative APN	`28981`

Interior

Building Area	2,039 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	107-120-7717
Street Address	13187 RIVERLAKE DR
City	COVINGTON
State	LA
Zip	70435-5535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 46A LAKE RAMSEY PH 3 INST NO 972334 INST NO 1214072 INST NO 1264616 INST NO 1701598 INST NO 1972954 INST NO 2056713
Legal Subdivision	LAKE RAMSEY
Legal Phase	3
Legal Lot Number	46A
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	3
Census Block Group	2
Census Block	2003
Census Tract	40204

Owner

Source: St. Tammany Parish records, as of February 5, 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
Co-owner	Co-owner on Record
Mailing Address	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2020	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Feb 22, 2023	Deed of Trust, Mortgage · Line of Credit GULF COAST BANK & TRUST CO
Sep 13, 2021	Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jul 27, 2021	Cash Sale Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU
Mar 17, 2017	Deed, Transfer · VA Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on Record
Deed Sale	Sep 13, 2021 · Amount on Record
Prior Sale	Jul 27, 2021 · Amount on Record
Deed Document Number	2290770
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002242881
Date	Dec 17, 2020
Instrument	2242881

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002362952
Date	Feb 22, 2023
Instrument	2362952

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Sep 13, 2021
Property Address	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535
Document Number	0002290770
Map Reference	DOC 951248
Instrument Date	Aug 27, 2021
Instrument	2290770
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 WHITEWATER LAKE RD, TAMASSEE, SC 29686-2322

Mortgage

Document Number	0002290772
Date	Sep 13, 2021
Instrument	2290772

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

July 2021: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Jul 27, 2021
Property Address	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535
Document Number	0002283194
Instrument Date	Jul 26, 2021
Instrument	2283194
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	277 RUE PIPER, SLIDELL, LA 70461-5436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Mar 17, 2017
Property Address	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535
Document Number	0002056713
Map Reference	MAP 872B
Instrument Date	Mar 16, 2017
Instrument	2056713
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERCIAN TITLE

Transaction

Amount	Amount Recorded
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	13187 RIVERLAKE DR, COVINGTON, LA 70435-5535

Mortgage

Document Number	0002056714
Date	Mar 17, 2017
Instrument	2056714

Lender

Name	FIRST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Louisiana
County	St. Tammany Parish
Unified School District	St. Tammany Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,896.00 (-3.8%)	$34,727 (-) Land $9,000 Building $25,727	$347,271 (-) Land $90,000 Building $257,271
2024	$4,050.00 (+11.91%)	$34,727 (+19.74%) Land $9,000 Building $25,727	$347,271 (+19.74%) Land $90,000 Building $257,271
2023	$3,619.00	$29,003 (-) Land $7,500 Building $21,503	$290,028 (+13.72%) Land $75,000 Building $215,028
2022	$3,619.00 Homeowner's exemption	$29,003 Land $7,500 Building $21,503	$255,028 Land $40,000 Building $215,028

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

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 Record median of 308 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	308 in force
Nearby Flood Claims	44 (2005–2024)
Claims Outside the SFHA	16 of 44
Most Recent Claim	Sep 2024 · Hurricane Francine
Claims by Event	Hurricane Ida, Aug 2021 · 6 claims Severe Storms And Flooding, Aug 2016 · 26 claims Hurricane Katrina, Aug 2005 · 4 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

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

Wildfire Risk	Low lower than 62% of the US · above 59% of Louisiana
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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	LAKE RAMSEY private · serves 840 people · EPA ID LA1103139
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Sep 2025 Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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