181 Pvt Rd 415, Covington, TX 76636 Property Records

Hill County property record for 181 Pvt Rd 415, Covington, TX 76636

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,640 sqft · built 1999
Lot Size	1.11 acres (48,439 sqft)
Owner	Individual Name on File
Tax Bill	$2,180 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16010-11400-90286-004000`

Property Details

APN / Parcel Number

Primary APN	`16010-11400-90286-004000`
Alternative APN	`160088`

Interior

Full Baths	2 Baths
Building Area	1,640 sqft Living Area
Gross Area	3,872 sqft
1st Floor Area	1,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Brick Veneer
Lot Area	48,439 sqft (1.11 acres)
Lot Dimensions	308 ft deep x 172 ft wide
Garage Type	Attached
Garage Area	462 sqft
Porch	Porch
Porch Area	469 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16010-11400-90286-004000
Street Address	181 PRIVATE ROAD 415
City	COVINGTON
State	TX
Zip	76636-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M CROTHERS A-114 TR 28F-4 1.112 AC
Legal Subdivision	M CROTHERS A-
Legal Tract	28F-4
Legal Lot Number	28F-4
Jurisdiction	HILL TX
Township / Civil Division	ITASCA
Census Block Group	3
Census Block	3042
Census Tract	960100

Owner

Source: Hill County assessment roll, as of September 1, 2025

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

Owner of Record	Individual Name on File
Mailing Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2025	Vendor's Lien, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Oct 6, 2021	Vendor's Lien, Transfer · FHA Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Jan 31, 2018	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 29, 2025
Deed Sale	Jan 29, 2025
Prior Sale	Oct 6, 2021
Deed Document Number	162939
Deed Book / Page	2357 / 31
Record Updated	Jun 8, 2026

January 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HILL TX
Recording Date	Jan 29, 2025
Property Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413
Document Number	0002357/31
Book / Page	2357 / 31
Map Reference	VOL 1005 PG 699
Instrument Date	Jan 24, 2025
Instrument	162939
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413

Mortgage

Document Number	0000162940
Date	Jan 29, 2025
Instrument	162940

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

October 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HILL TX
Recording Date	Oct 6, 2021
Property Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413
Document Number	002138/391
Book / Page	2138 / 391
Map Reference	VOL 1005 PG 699
Instrument Date	Sep 24, 2021
Instrument	127310
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413

Mortgage

Document Number	0000127311
Date	Oct 6, 2021
Instrument	127311

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

January 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HILL TX
Recording Date	Jan 31, 2018
Property Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413
Document Number	001939/063
Book / Page	1939 / 063
Instrument Date	Jan 30, 2018
Instrument	00093937
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	HILL COUNTY TITLE COMPANY, HILL COUNTY TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 PRIVATE ROAD 415, COVINGTON, TX 76636-4413

Mortgage

Document Number	0000093938
Date	Jan 31, 2018
Instrument	00093938

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Hill County assessment roll, as of September 1, 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
2025	$2,180.00 (+11%) Homeowner's exemption	$365,950 (+6.87%) Land $32,250 Building $333,700	$365,950 (+6.87%) Land $32,250 Building $333,700
2023		$342,440 Land $31,140 Building $311,300	$342,440 Land $31,140 Building $311,300
2022	$1,964.00

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 September 30, 2026 · 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	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

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

Wildfire Risk	High above 73% of the US · above 63% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PARKER WSC serves 3,300 people · EPA ID TX1260021
Water Source	Purchased surface water from FILES VALLEY WSC
Last State Inspection	Nov 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: Nextlink, Windstream.

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