Tipton County property record for 1845 Hwy 54 E, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,542 sqft · built 1946 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Jan 2018) |
| Tax Bill | $309 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Jun 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084042 04302 |
| Primary APN | 084042 04302 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,542 sqft Living Area |
| 1st Floor Area | 1,542 sqft |
| Year Built | Built 1946 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 598 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 24 sqft |
| Shed | 1 Shed |
| Shed Area | 1,200 sqft |
| Utility Building | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 1845 HIGHWAY 54 E |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C61 |
| Legal Subdivision | ARNOLD HWY 54 E |
| Legal Lot Number | 1 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 40602 |
1845 Hwy 54 E is owned and occupied by two individuals who bought it in January 2018.
Source: Tipton County records, as of January 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1845 HIGHWAY 54 E, COVINGTON, TN 38019-7122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 28, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA FLCA |
| Jun 16, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage BANK OF RIPLEY |
| Nov 26, 2018 | Deed of Trust, Mortgage BANK OF RIPLEY |
| Jan 26, 2018 | Warranty Deed, Transfer · Line of Credit BANK OF RIPLEY |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2018 · Amount on File |
| Deed Sale | Jan 26, 2018 · Amount on File |
| Prior Sale | Apr 28, 2015 · Amount on File |
| Deed Document Number | 210832 |
| Deed Book / Page | 1747 / 478 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 1845 HIGHWAY 54 E, COVINGTON, TN 38019-7122 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1845 HIGHWAY 54 E, COVINGTON, TN 38019-7122 |
| Document Number | 0002081647 |
|---|---|
| Date | May 28, 2025 |
| Book Page | 2081/647 |
| Instrument | 283478 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Address | 12501 LAKEFRONT PL, LOUISVILLE, KY 40299 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 1845 HIGHWAY 54 E, COVINGTON, TN 38019-7122 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1845 HIGHWAY 54 E, COVINGTON, TN 38019-7122 |
| Document Number | 0002083923 |
|---|---|
| Date | Jun 16, 2025 |
| Book Page | 2083/923 |
| Instrument | 283977 |
| Name | BANK OF RIPLEY |
|---|---|
| Type | Bank |
| Address | 1775 HIGHWAY 51 S, COVINGTON, TN 38019 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 1845 HIGHWAY 54 E, COVINGTON, TN 38019-7122 |
| Document Number | 1782431 |
| Instrument Date | Nov 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 117 MELROSE RD COVINGTON TN 380197503, COVINGTON, TN 38019-7503 |
| Document Number | 1782431 |
|---|---|
| Date | Dec 7, 2018 |
| Book Page | 001782/000431 |
| Instrument | 219241 |
| Name | BANK OF RIPLEY |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Amount | Amount on Record |
|---|---|
| Term | 36 Months |
| Due | Dec 6, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Jan 26, 2018 |
| Property Address | 1845 HIGHWAY 54 E, COVINGTON, TN 38019-7122 |
| Document Number | 1747478 |
| Book / Page | 001747 / 000478 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 210832 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1845 HIGHWAY 54 E COVINGTON TN 380197122, COVINGTON, TN 38019-7122 |
| Document Number | 1747480 |
|---|---|
| Date | Jan 26, 2018 |
| Book Page | 001747/000480 |
| Instrument | 210833 |
| Name | BANK OF RIPLEY |
|---|---|
| Type | Bank |
| Address | RIPLEY, TN 38063 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 25, 2019 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1845 Hwy 54 E was $309.
Source: Tipton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $309.00 | $20,275 Land $5,950 Building $14,325 | |
| 2023 | $36,200 (+35.58%) Land $5,950 Building $30,250 | ||
| 2022 | $545.00 | $26,700 Land $4,375 Building $22,325 | $106,800 Land $17,500 Building $89,300 |
| 2020 | $81,100 Land $23,800 Building $57,300 |
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.
FEMA maps place 1845 Hwy 54 E in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.
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 | 6 in force |
| Nearby Flood Claims | 3 (2010–2025) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 1845 Hwy 54 E 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 97% of the US · lower than 97.5% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
| Aeneas Communications Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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