Tipton County property record for 1866 Hwy 54 E, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,800 sqft · built 1976 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (Dec 2021) |
| Tax Bill | $1,086 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Oct 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084042 01301 |
| Primary APN | 084042 01301 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,800 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Upper Floors Area | 1,400 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 24,394 sqft (0.56 acres) |
| Lot Dimensions | 196 ft deep x 128 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Utility Building | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 1866 HIGHWAY 54 E |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C61 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 40602 |
Source: Tipton County records, as of January 21, 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 | 1866 HIGHWAY 54 E, COVINGTON, TN 38019-7123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Her Husband |
| Date | Document |
|---|---|
| Feb 9, 2024 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Oct 4, 2022 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Dec 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2021 · Amount on Record |
| Deed Sale | Dec 20, 2021 · Amount on Record |
| Prior Sale | Jun 1, 2021 · Amount on Record |
| Deed Document Number | 2021252473 |
| Deed Book / Page | 1938 / 660 |
| Transfer Doc | 0000144134 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 1866 HIGHWAY 54 E, COVINGTON, TN 38019-7123 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1866 HIGHWAY 54 E, COVINGTON, TN 38019-7123 |
| Document Number | 0002028376 |
|---|---|
| Date | Feb 9, 2024 |
| Book Page | 2028/376 |
| Instrument | 272292 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 1866 HIGHWAY 54 E, COVINGTON, TN 38019-7123 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1866 HIGHWAY 54 E, COVINGTON, TN 38019-7123 |
| Document Number | 0001977346 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 1977/346 |
| Instrument | 261022 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 26, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Dec 20, 2021 |
| Property Address | 1866 HIGHWAY 54 E, COVINGTON, TN 38019-7123 |
| Document Number | 0001938660 |
| Book / Page | 1938 / 660 |
| Map Reference | MB 1903 PG 1032 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 252473 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Title Company | HOME SURETY TITLE AND ESCROW LLC, HOME SURETY T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $758.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1866 HIGHWAY 54 E, COVINGTON, TN 38019-7123 |
| Document Number | 0000252474 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 252474 |
| Name | ROUNDPOINT MORTGAGE SERVICING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
Source: Tipton County assessment roll, as of January 21, 2026
| 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 | $1,086.00 (+6.78%) | $71,350 (-) Land $4,675 Building $66,675 | |
| 2023 | $71,350 Land $4,675 Building $66,675 | ||
| 2022 | $1,017.00 | ||
| 2020 | $285,400 Land $18,700 Building $266,700 |
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.
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.
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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