1538 Roane St, Covington, TN 38019 Property Records

Tipton County property record for 1538 Roane St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,323 sqft · built 1991
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,049 (2022)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084041O B 03300`

Property Details

APN / Parcel Number

Primary APN	`084041O B 03300`
Alternative APN	`041O B 03300`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,323 sqft Living Area
1st Floor Area	1,752 sqft
Upper Floors Area	952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2010
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Garage Type	Finished
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Open Porch
Porch Area	48 sqft
Patio Area	365 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1538 ROANE ST
City	COVINGTON
State	TN
Zip	38019-3337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C10
Legal Subdivision	ARLINGTON HGTS SEC D
Legal Lot Number	32 122
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	5
Census Block	5024
Census Tract	40700

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	2 Individual Names on Record
Mailing Address	1538 ROANE ST, COVINGTON, TN 38019-3337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Warranty Deed, Transfer · Conventional Mortgage BANCORPSOUTH BANK
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2025
Deed Sale	Mar 10, 2025
Prior Sale	Jan 21, 2010 · Amount on Record
Deed Document Number	0002072216
Deed Book / Page	1924 / 629
Prior Transfer Date	Sep 27, 2021
Prior Transfer Doc	249719
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Sep 27, 2021
Property Address	1538 ROANE ST, COVINGTON, TN 38019-3337
Document Number	1924629
Book / Page	1924 / 629
Map Reference	CAB B SL 129
Instrument Date	Sep 23, 2021
Instrument	249719
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1538 ROANE ST, COVINGTON, TN 38019-3337

Mortgage

Document Number	249720
Date	Sep 27, 2021
Instrument	249720

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	1538 ROANE ST, COVINGTON, TN 38019-3337
Document Number	1835727
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1538 ROANE ST COVINGTON TN 380193337, COVINGTON, TN 38019-3337

Mortgage

Document Number	1835727
Date	Mar 16, 2020
Book Page	001835/000727
Instrument	231600

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$88,225 (-) Land $11,450 Building $76,775
2023		$88,225 (+41.27%) Land $11,450 Building $76,775
2022	$2,049.00	$62,450 Land $8,425 Building $54,025	$249,800 (-29.22%) Land $33,700 Building $216,100
2020			$352,900 Land $45,800 Building $307,100

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 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	1 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	Low lower than 96% of the US · lower than 96% of Tennessee
Wildfire Likelihood	Under 0.01% 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	COVINGTON WATER DEPT serves 14,334 people · EPA ID TN0000144
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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