1609 Cardinal Dr, Covington, TN 38019 Property Records

Tipton County property record for 1609 Cardinal Dr, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,092 sqft · built 1996
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$5,000 (Feb 1997)
Tax Bill	$502 (2022)
Deeds & Mortgages	Feb 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`084018K B 03500`

Property Details

APN / Parcel Number

Primary APN	`084018K B 03500`
Alternative APN	`018K B 03500`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Terrain	Rolling
Porch	Slab
Porch Area	76 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1609 CARDINAL DR
City	COVINGTON
State	TN
Zip	38019-1593
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C40
Legal Subdivision	BASKIN HGTS SEC D
Legal Lot Number	113
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1012
Census Tract	40601

Owner

1609 Cardinal Dr is owned by two individuals who bought it in February 1997.

Source: Tipton County records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1592 N PISGAH RD, CORDOVA, TN 38016-5418
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 1997 · Amount on File
Deed Sale	Feb 3, 1997 · Amount on File
Prior Sale	May 13, 1983
Deed Book / Page	790 / 743
Record Updated	Sep 20, 2026

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	TIPTON TN
Property Address	1609 CARDINAL DR, COVINGTON, TN 38019-1593
Document Number	1834541
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1592 N PISGAH RD CORDOVA TN 380165418, CORDOVA, TN 38016-5418

Mortgage

Document Number	1834541
Date	Mar 6, 2020
Book Page	001834/000541
Instrument	231300

Lender

Name	BANKTENNESSEE
Type	Bank
Address	MUNFORD, TN 38058

Agreement

Term	180 Months
Due	Mar 5, 2035

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

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		$21,750 Land $4,250 Building $17,500
2023		$21,750 Land $4,250 Building $17,500
2022	$502.00
2020			$87,000 Land $17,000 Building $70,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1609 Cardinal Dr in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 1609 Cardinal Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20