St. Tammany Parish property record for 20189 Garland St, Covington, LA 70435
| Property Type | Single Family Home |
|---|---|
| Details | 1,240 sqft · built 2000 |
| Lot Size | 0.344 acres (15,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $194,000 (Apr 2022) |
| Tax Bill | $872 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Feb 2022 Mortgage + 2 more |
| APN | 138-132-7259 |
| Primary APN | 138-132-7259 |
|---|---|
| Alternative APN |
|
| Building Area | 1,240 sqft Living Area |
|---|
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 15,001 sqft (0.344 acres) |
| Street Address | 20189 GARLAND ST |
|---|---|
| City | COVINGTON |
| State | LA |
| Zip | 70435-0111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 SQ 13 GARLAND ADD INST NO 1015585 INST NO 1138434 INST NO 1394285 INST NO 1895379 |
| Legal Subdivision | GARLAND ADDITION |
| Legal Lot Number | 4 |
| Jurisdiction | SAINT TAMMANY LA |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 40502 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 20189 GARLAND ST, COVINGTON, LA 70435-0111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Apr 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Feb 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HUD |
| Apr 25, 2022 | Cash Sale Deed, Transfer FIRST AMERICAN TITLE |
| May 21, 2021 | Deed, Transfer · FHA Mortgage ANGEL OAK HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2022 · Amount on Record |
| Deed Sale | Apr 25, 2022 · Amount on Record |
| Prior Sale | May 21, 2021 · Amount on Record |
| Deed Document Number | 20222325236 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Property Address | 20189 GARLAND ST, COVINGTON, LA 70435-0111 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002325241 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 2325241 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Property Address | 20189 GARLAND ST, COVINGTON, LA 70435-0111 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002316453 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 2316453 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Cash Sale Deed |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Recording Date | Apr 25, 2022 |
| Property Address | 20189 GARLAND ST, COVINGTON, LA 70435-0111 |
| Document Number | 0002525236 |
| Map Reference | MAP 179-A |
| Instrument Date | Apr 14, 2022 |
| Instrument | 2525236 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 350 ATALIN ST # ST11B, ST11B, MANDEVILLE, LA 70448-6035 |
| Name | Verified Name |
|---|---|
| Address | 20189 GARLAND ST, COVINGTON, LA 70435-0111 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Recording Date | May 21, 2021 |
| Property Address | 20189 GARLAND ST, COVINGTON, LA 70435-0111 |
| Document Number | 0002271264 |
| Instrument Date | May 21, 2021 |
| Instrument | 2271264 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Title Company | CRESCENT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 333 BROWN THRASHER LOOP S, MADISONVILLE, LA 70447-3035 |
| Name | Verified Name |
|---|---|
| Address | 20189 GARLAND ST, COVINGTON, LA 70435-0111 |
| Document Number | 0002271267 |
|---|---|
| Date | May 21, 2021 |
| Instrument | 2271267 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
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 | $872.00 (-4.6%) Homeowner's exemption | $15,077 (-) Land $2,500 Building $12,577 | $150,772 (-) Land $25,000 Building $125,772 |
| 2024 | $914.00 (+37.03%) Homeowner's exemption | $15,077 (+18.9%) Land $2,500 Building $12,577 | $150,772 (+18.9%) Land $25,000 Building $125,772 |
| 2023 | $667.00 Homeowner's exemption | $12,680 (-) Land $2,500 Building $10,180 | $126,803 (-) Land $25,000 Building $101,803 |
| 2022 | $667.00 Homeowner's exemption | $12,680 Land $2,500 Building $10,180 | $126,803 Land $25,000 Building $101,803 |
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 116 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 116 in force |
| Nearby Flood Claims | 53 (1978–2024) |
| Claims Outside the SFHA | 30 of 53 |
| Most Recent Claim | Jan 2024 · 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 62% of the US · above 84% of Louisiana |
|---|---|
| Wildfire Likelihood | 0.2% 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 | 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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