197 FM 2488, Covington, TX 76636 Property Records

Hill County property record for 197 FM 2488, Covington, TX 76636

Property Summary

Property Type	Rural Home
Details	2 ba · 2,162 sqft · built 2004
Lot Size	14 acres (609,840 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,528 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16010-75100-90155-000000`

Property Details

APN / Parcel Number

Primary APN	`16010-75100-90155-000000`
Alternative APN	`124057`

Interior

Full Baths	2 Baths
Building Area	2,162 sqft Living Area
Gross Area	7,134 sqft
1st Floor Area	1,962 sqft
2nd Floor Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Brick Veneer
Lot Area	609,840 sqft (14 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Porch
Porch Area	351 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16010-75100-90155-000000
Street Address	197 FM 2488
City	COVINGTON
State	TX
Zip	76636-4562
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	L REYNOLDS A-751 TR 15E, 21A & B 14.00 AC
Legal Subdivision	L A REYNOLDS SURVEY A-
Legal Tract	15E
Legal Lot Number	15E
Jurisdiction	HILL TX
Township / Civil Division	BLUM
Census Block Group	1
Census Block	1030
Census Tract	960200

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	2 Individual Names on File
Mailing Address	197 FM 2488, COVINGTON, TX 76636-4562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2015
Deed Sale	Jun 18, 2015
Prior Sale	Jun 29, 2012
Deed Document Number	00074084
Deed Book / Page	1831 / 411
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	197 FM 2488, COVINGTON, TX 76636-4562
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002090/508
Date	Jan 27, 2021
Book Page	2090/508
Instrument	119126

Lender

Name	FIRST MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84114

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2046

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	$2,528.00 (+32.98%) Homeowner's exemption Additional exemption filed	$599,490 (+73.28%) Land $224,000 Building $375,490	$599,490 (+15.61%) Land $224,000 Building $375,490
2023		$345,967	$518,560 Land $189,000 Building $329,560
2022	$1,901.00

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	1 in force
Nearby Flood Claims	3 (2000–2015)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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 84% of the US · above 80% of Texas
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WOODROW OSCEOLA WSC BLANTON WELL PLANT 1 serves 2,526 people · EPA ID TX1090025
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
JAB Wireless Fixed Wireless	500 / 100
Starlink Satellite	280 / 30

May also be available: AMG Technology Investment Group.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on FM 2488

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