St. Tammany Parish property record for 20122 Garland St, Covington, LA 70435
| Property Type | Single Family Home |
|---|---|
| Details | 1,879 sqft · built 1996 |
| Lot Size | 0.482 acres (21,002 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $262,000 (Jun 2025) |
| Tax Bill | $2,179 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2020 Sale & Mortgage |
| APN | 138-120-3711 |
| Primary APN | 138-120-3711 |
|---|---|
| Alternative APN |
|
| Building Area | 1,879 sqft Living Area |
|---|
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 21,002 sqft (0.482 acres) |
| Street Address | 20122 GARLAND ST |
|---|---|
| City | COVINGTON |
| State | LA |
| Zip | 70435-0108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GARLAND COVINGTON CLAIBORNE ADDITION INCLUDING ALLEY LT13 BL8 |
| Legal Subdivision | GARLAND ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 13 |
| Jurisdiction | SAINT TAMMANY LA |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 40502 |
Source: St. Tammany Parish records, as of June 3, 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 | 20122 GARLAND ST, COVINGTON, LA 70435-0108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 6, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Sep 18, 2020 | Deed, Transfer · Conventional Mortgage IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2025 · Amount on Record |
| Deed Sale | Jun 10, 2025 · Amount on Record |
| Prior Sale | Sep 18, 2020 · Amount on Record |
| Deed Document Number | 20252452010 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Recording Date | May 6, 2026 |
| Property Address | 20122 GARLAND ST, COVINGTON, LA 70435-0108 |
| Document Number | 0002490793 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 20262490793 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 20122 GARLAND ST, COVINGTON, LA 70435-0108 |
| Document Number | 0002490793, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 20262490793 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2055 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Recording Date | Sep 18, 2020 |
| Property Address | 20122 GARLAND ST, COVINGTON, LA 70435-0108 |
| Document Number | 0002227315 |
| Map Reference | MAP 179 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 2227315 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2023 |
| Title Company | CRESCENT TITLE LLC, CRESCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 144 AUTUMN WOODS DR, LACOMBE, LA 70445-6256 |
| Name | Verified Name |
|---|---|
| Address | 20122 GARLAND ST, COVINGTON, LA 70435-0108 |
| Document Number | 0002227316 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 2227316 |
| Name | IBERIABANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: St. Tammany Parish assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | Louisiana |
| County | St. Tammany Parish |
| Unified School District | St. Tammany Parish School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,179.00 (+58.01%) | $18,931 (-) Land $2,500 Building $16,431 | $189,314 (-) Land $25,000 Building $164,314 |
| 2024 | $1,379.00 (+24.35%) Homeowner's exemption | $18,931 (+17.52%) Land $2,500 Building $16,431 | $189,314 (+17.52%) Land $25,000 Building $164,314 |
| 2023 | $1,109.00 Homeowner's exemption | $16,109 (-) Land $2,500 Building $13,609 | $161,090 (-) Land $25,000 Building $136,090 |
| 2022 | $1,109.00 Homeowner's exemption | $16,109 Land $2,500 Building $13,609 | $161,090 Land $25,000 Building $136,090 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 62 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 62 in force |
| Nearby Flood Claims | 10 (1995–2009) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Dec 2009 · 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 | Moderate above 60% of the US · above 83% of Louisiana |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF COVINGTON WATER SUPPLY serves 16,185 people · EPA ID LA1103011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected May 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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