2077 McWilliams Rd, Covington, TN 38019 Property Records

Tipton County property record for 2077 McWilliams Rd, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,603 sqft · built 1994
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Jun 2026)
Tax Bill	$823 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084052 00902`

Property Details

APN / Parcel Number

Primary APN	`084052 00902`
Alternative APN	`052 00902`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,603 sqft Living Area
1st Floor Area	1,603 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2006
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	220 ft deep x 155 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2077 MCWILLIAMS RD
City	COVINGTON
State	TN
Zip	38019-6451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DISTRICT: 02, COUNTY AREA: C63
Jurisdiction	TIPTON TN
Township / Civil Division	3
Census Block Group	2
Census Block	2038
Census Tract	40400

Owner

Source: Tipton County records, as of June 22, 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	2077 MCWILLIAMS RD, COVINGTON, TN 38019-6451
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Warranty Deed, Transfer · FHA Mortgage LEADERS CREDIT UNION
Jan 23, 2023	Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA
Aug 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANCORP BANK
Aug 30, 2018	Quit Claim Deed, Transfer BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Prior Sale	Aug 9, 2017 · Amount on Record
Deed Document Number	2026293196
Deed Book / Page	2128 / 758
Transfer Doc	0777000576
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jun 12, 2026
Property Address	2077 MCWILLIAMS RD, COVINGTON, TN 38019-6451
Document Number	0000293196
Book / Page	2128 / 758
Instrument Date	May 29, 2026
Instrument	2026293196
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93,051.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2077 MCWILLIAMS RD, COVINGTON, TN 38019-6451

Mortgage

Document Number	0000293196,
Date	Jun 12, 2026
Book Page	2128/761
Instrument	2026293196

Lender

Name	LEADERS CREDIT UNION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	2077 MCWILLIAMS RD, COVINGTON, TN 38019-6451
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2101 MCWILLIAMS RD, COVINGTON, TN 38019-6451

Mortgage

Document Number	0001988877
Date	Jan 23, 2023
Book Page	1988/877
Instrument	263555

Lender

Name	CADENCE BANK NA
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	2077 MCWILLIAMS RD, COVINGTON, TN 38019-6451
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1730934
Date	Aug 10, 2017
Book Page	1730/934
Instrument	206518

Lender

Name	BANCORP BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIPTON TN
Recording Date	Aug 30, 2018
Property Address	2077 MCWILLIAMS RD, COVINGTON, TN 38019-6451
Document Number	1771589
Book / Page	001771 / 000589
Instrument Date	Aug 27, 2018
Instrument	216580
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	55 COLLEGE ST MUNFORD TN 380586464, MUNFORD, TN 38058-6464

Mortgage

Document Number	1771591
Date	Aug 30, 2018
Book Page	001771/000591
Instrument	216581

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Aug 29, 2020

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$823.00 (+6.88%)	$54,100 (-) Land $4,425 Building $49,675
2023		$54,100 Land $4,425 Building $49,675
2022	$770.00
2020			$216,400 Land $17,700 Building $198,700

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.

Flood

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	3 in force
Nearby Flood Claims	2 (2023–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2025 · rainfall accumulation

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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	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.

Drinking Water

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

Water System	FIRST U.D. OF TIPTON COUNTY serves 9,340 people · EPA ID TN0000703
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 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

Cell Coverage

5G and 4G LTE (outdoors only)

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