20045 Royal Pine Dr, Covington, LA 70435 Property Records

St. Tammany Parish property record for 20045 Royal Pine Dr, Covington, LA 70435

Property Summary

Property Type	Single Family Home
Details	2,987 sqft · built 1985
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$223,700 (Sep 2019)
Tax Bill	$1,677 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2021 Mortgage + 1 more
APN	`107-130-9692`

Property Details

APN / Parcel Number

Primary APN	`107-130-9692`
Alternative APN	`30183`

Interior

Building Area	2,987 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	65,340 sqft (1.5 acres)

Location & Zoning

Street Address	20045 ROYAL PINE DR
City	COVINGTON
State	LA
Zip	70435-7750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.5 ACS M/L SEC 14 6 11 CB 1202 763 INST NO 1118983 INST NO 1361961 INST NO 1362569 INST NO 1385180 INST NO 1549801 INST NO 1
Legal Subdivision	ROYAL PINE DR
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	2
Census Block Group	1
Census Block	1035
Census Tract	40103

Owner

Source: St. Tammany Parish records, as of February 6, 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	20045 ROYAL PINE DR, COVINGTON, LA 70435-7750
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage SCHWANER CONSTRUCTION INC
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage STANDARD MORTGAGE CO INC
Sep 19, 2019	Deed, Transfer · Conventional Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2019 · Amount on Record
Deed Sale	Sep 19, 2019 · Amount on Record
Deed Document Number	20192175075
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	20045 ROYAL PINE DR, COVINGTON, LA 70435-7750
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002127989
Date	Sep 13, 2018
Instrument	2127989

Lender

Name	SCHWANER CONSTRUCTION INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	20045 ROYAL PINE DR, COVINGTON, LA 70435-7750
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002290498
Date	Sep 10, 2021
Instrument	2290498

Lender

Name	STANDARD MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Sep 19, 2019
Property Address	20045 ROYAL PINE DR, COVINGTON, LA 70435-7750
Document Number	0002175075
Instrument Date	Sep 18, 2019
Instrument	2175075
Transaction Type	Transfer
Record Updated	Apr 6, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20045 ROYAL PINE DR, COVINGTON, LA 70435-7750

Mortgage

Document Number	0002175076
Date	Sep 19, 2019
Instrument	2175076

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Tammany Parish assessment roll, as of February 6, 2026

Property Jurisdictions

Type	Name
State	Louisiana
County	St. Tammany Parish
Unified School District	St. Tammany Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,677.00 (-3.79%) Homeowner's exemption	$22,447 (-) Land $2,000 Building $20,447	$224,467 (-) Land $20,000 Building $204,467
2024	$1,743.00 (+7.59%) Homeowner's exemption	$22,447 (+9.58%) Land $2,000 Building $20,447	$224,467 (+9.58%) Land $20,000 Building $204,467
2023	$1,620.00 Homeowner's exemption	$20,485 (-) Land $2,000 Building $18,485	$204,850 (-) Land $20,000 Building $184,850
2022	$1,620.00 Homeowner's exemption	$20,485 Land $2,000 Building $18,485	$204,850 Land $20,000 Building $184,850

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.

Flood

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	22 (1980–2022)
Claims Outside the SFHA	20 of 22
Most Recent Claim	Apr 2022 · rainfall accumulation
Claims by Event	Hurricane Gustav, Sep 2008 · 2 claims Hurricane Katrina, Aug 2005 · 9 claims Tropical Storm Allison, Jun 2001 · 2 claims

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 72% of the US · above 92% of Louisiana
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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