165 Hcr 1431, Covington, TX 76636 Property Records

Hill County property record for 165 Hcr 1431, Covington, TX 76636

Property Summary

Property Type	Rural Home
Details	2 ba · 1,560 sqft · built 2021
Lot Size	3.48 acres (151,850 sqft)
Owner	2 Individual Names on File
Last Sale	$372,400 (Mar 2026)
Tax Bill	$6,378 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16010-55500-90793-000000`

Property Details

APN / Parcel Number

Primary APN	`16010-55500-90793-000000`
Alternative APN	`450524`

Interior

Full Baths	2 Baths
Building Area	1,560 sqft Living Area
Gross Area	4,016 sqft
1st Floor Area	780 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Metal
Roof Type	Gable
Lot Area	151,850 sqft (3.48 acres)
Garage Type	Attached
Garage Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16010-55500-90793-000000
Street Address	165 HCR 1431
City	COVINGTON
State	TX
Zip	76636-4654
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	J MCCARTER A-555 TR 79C 3.486 AC
Legal Subdivision	JOHN M MCCARTER SURVEY ABST NO 555
Legal Tract	79C
Jurisdiction	HILL TX
Township / Civil Division	ITASCA
Census Block Group	3
Census Block	3061
Census Tract	960100

Owner

165 Hcr 1431, a rural home, is owned and occupied by two individuals who bought it in March 2026.

Source: Hill County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	165 HCR 1431, COVINGTON, TX 76636-4654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage CITIZENS STATE BANK
Mar 13, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 12, 2021	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on File
Deed Sale	Mar 13, 2026 · Amount on File
Prior Sale	Nov 12, 2021
Deed Document Number	2026173272
Deed Book / Page	2425 / 838
Prior Transfer Date	Mar 5, 2026
Prior Transfer Doc	002425/828
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	165 HCR 1431, COVINGTON, TX 76636-4654
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	HILL COUNTY TITLE COMPANY, HILL COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 HCR 1431, COVINGTON, TX 76636-4654

Mortgage

Document Number	002284/533
Date	Oct 16, 2023
Book Page	2284/533
Instrument	151484

Lender

Name	CITIZENS STATE BANK
Type	Bank
Address	ITASCA, TX 76055

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 16, 2038

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILL TX
Recording Date	Mar 13, 2026
Property Address	165 HCR 1431, COVINGTON, TX 76636-4654
Document Number	002425/828
Book / Page	2425 / 828
Map Reference	VOL 1715 PG 586
Instrument Date	Mar 5, 2026
Instrument	173272
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	165 HCR 1431, COVINGTON, TX 76636-4654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 HCR 1431, COVINGTON, TX 76636-4654

Mortgage

Document Number	0000173273
Date	Mar 13, 2026
Instrument	173273

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HILL TX
Recording Date	Nov 12, 2021
Property Address	165 HCR 1431, COVINGTON, TX 76636-4654
Document Number	002146/169
Book / Page	2146 / 169
Instrument Date	Oct 4, 2021
Instrument	128637
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 S ESPERANZA DR, LITCHFIELD PARK, AZ 85340-4655

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 158, COVINGTON, TX 76636-0158

Tax Assessment & Valuation

The 2026 property tax bill for 165 Hcr 1431 was $6,378 with a homeowner's exemption, up 222.1% from the year before.

Source: Hill County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Hill County
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,378.00 (+222.12%)	$365,695 (-6.68%)	$453,870 (-0.84%) Land $83,660 Building $370,210
2025	$1,980.00 Homeowner's exemption	$391,874	$457,710 Land $83,660 Building $374,050
2023		$287,090	$336,560 Land $69,720 Building $266,840
2022	$513.00

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

Flood

FEMA maps place 165 Hcr 1431 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 165 Hcr 1431 is high, ranking above 75% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 67% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 WORKS serves 717 people · EPA ID TX1090021
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Nextlink Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3
Windstream DSL	10 / 1

May also be available: Rise Broadband.

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