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1328 McWilliams Rd, Covington, TN 38019 Property Records

Tipton County property record for 1328 McWilliams Rd, Covington, TN 38019

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,140 sqft · built 1918
Lot Size1.76 acres (76,666 sqft)
Owner2 Individual Names on File
Last Sale$140,000 (Sep 2025)
Tax Bill$414 (2025)
Deeds & MortgagesSep 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN084039 06903

Property Details

APN / Parcel Number

Primary APN084039 06903
Alternative APN
  • 039 06903

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,140 sqft Living Area
1st Floor Area1,140 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1918
Effective Year BuiltEffective 1984
Exterior MaterialSiding
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area76,666 sqft (1.76 acres)
TerrainRolling
PorchSlab
Porch Area292 sqft
Utility Building112 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemFloor/Wall Furnace
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address1328 MCWILLIAMS RD
CityCOVINGTON
StateTN
Zip38019-6436
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionDISTRICT: 02, COUNTY AREA: G60
Legal SubdivisionRONNIE MCWILLIAMS MCWIL RD
Legal Lot Number2
JurisdictionTIPTON TN
Township / Civil Division3
Census Block Group3
Census Block3022
Census Tract40601

Owner

Source: Tipton County records · APN 084039 06903

Assessment roll updated January 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1328 MCWILLIAMS RD, COVINGTON, TN 38019-6436
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 25, 2025 · Amount on Record
Deed SaleSep 25, 2025 · Amount on Record
Prior SaleSep 26, 2016 · Amount on Record
Deed Document Number2025286846
Deed Book / Page2097 / 228
Record UpdatedSep 20, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionTIPTON TN
Recording DateSep 25, 2025
Property Address1328 MCWILLIAMS RD, COVINGTON, TN 38019-6436
Document Number0002097228
Book / Page2097 / 228
Map ReferenceCAB H SL 442
Instrument DateSep 22, 2025
Instrument286846
Transaction TypeTransfer
Record UpdatedOct 03, 2025
Title CompanyCLOSETRAK LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$518.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1328 MCWILLIAMS RD, COVINGTON, TN 38019-6436

Mortgage

Document Number0000286847
DateSep 25, 2025
Instrument286847
Lender
NameLEADERS CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055
Interest
Rate TypeAdjustable Rate
Rate8.37%
AdjustableAdjustable Rate Rider
Type Change DateOct 01, 2032
Change Frequency6 Months
Min Rate At Change3.5%
Max Rate At Change13.3%
IndexOther
Max Rate13.3%

Mortgage

Document Number0002097251
DateSep 25, 2025
Book Page2097/251
Instrument286848
Lender
NameLEADERS CU
TypeCredit Union
Address35 STONEBRIDGE BLVD, JACKSON, TN 38305
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

Tax Assessment & Valuation

Source: Tipton County records · Assessment roll updated January 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateTennessee
CountyTipton County
Unified School DistrictTipton County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$414.00$27,225 (-) Land $6,275 Building $20,950
2024$414.00 (+5.61%)$27,225 (-) Land $6,275 Building $20,950
2023$27,225 Land $6,275 Building $20,950
2022$392.00
2020$108,900 Land $25,100 Building $83,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 28, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Aeneas Communications
Fiber		1,000 / 1,000

May also be available: Xfinity.

Based on FCC filings for 17 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemFIRST U.D. OF TIPTON COUNTY
serves 9,340 people
Water SourceGroundwater
Last State InspectionJul 2024
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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