138 Downing Rd, Covington, TN 38019 Property Records

Tipton County property record for 138 Downing Rd, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,020 sqft · built 2005
Lot Size	6.59 acres (287,496 sqft)
Owner	Individual Name on Record
Last Sale	$456,500 (Sep 2023)
Tax Bill	$1,938 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084016 00702`

Property Details

APN / Parcel Number

Primary APN	`084016 00702`
Alternative APN	`016 00702`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,020 sqft Living Area
1st Floor Area	2,689 sqft
Upper Floors Area	552 sqft
Attic Area	420 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2011
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	287,496 sqft (6.59 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	324 sqft
Patio Area	324 sqft
Shed	1 Shed
Shed Area	1,680 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	138 DOWNING RD
City	COVINGTON
State	TN
Zip	38019-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 12, COUNTY AREA: G61
Legal Subdivision	WILLIAM TED TURNER
Jurisdiction	TIPTON TN
Township / Civil Division	3
Census Block Group	1
Census Block	1002
Census Tract	40400

Owner

Source: Tipton County records, as of January 19, 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	138 DOWNING RD, COVINGTON, TN 38019-5004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage CME LENDING GROUP LLC
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Aug 20, 2004
Deed Document Number	268955
Deed Book / Page	2012 / 978
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Sep 6, 2023
Property Address	138 DOWNING RD, COVINGTON, TN 38019-5004
Document Number	0002012978
Book / Page	2012 / 978
Map Reference	MB 1146 PG 456
Instrument Date	Aug 29, 2023
Instrument	268955
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	NOT AVAILABLE, REALTY T&E CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,689.05
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 DOWNING RD, COVINGTON, TN 38019-5004

Mortgage

Document Number	0000268956
Date	Sep 6, 2023
Instrument	268956

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	138 DOWNING RD, COVINGTON, TN 38019-5004
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001950665
Date	Mar 16, 2022
Book Page	1950/665
Instrument	255078

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,938.00 (+26.83%)	$127,375 (+16.86%) Land $15,500 Building $111,875
2023		$109,000 (+45.48%) Land $15,500 Building $93,500
2022	$1,528.00	$74,925 Land $9,950 Building $64,975	$299,700 (-41.18%) Land $39,800 Building $259,900
2020			$509,500 Land $62,000 Building $447,500

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, effective August 28, 2019 · 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	3 in force
Nearby Flood Claims	2 (2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FIRST U.D. OF TIPTON COUNTY serves 9,340 people · EPA ID TN0000703
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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, 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 16 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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