2090 Locust Bluff Rd, Covington, TN 38019 Property Records

Tipton County property record for 2090 Locust Bluff Rd, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,632 sqft · built 1978
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$217,500 (Mar 2023)
Tax Bill	$751 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084023 01102`

Property Details

APN / Parcel Number

Primary APN	`084023 01102`
Alternative APN	`023 01102`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	104 ft deep x 175 ft wide
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Utility Building	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2090 LOCUST BLUFF RD
City	COVINGTON
State	TN
Zip	38019-4722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAR
Legal Description	DISTRICT: 13, COUNTY AREA: A65
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1004
Census Tract	40900

Owner

Source: Tipton County records, as of March 25, 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	2090 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2023	Warranty Deed, Transfer · USDA Mortgage PATRIOT BANK
Mar 15, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 13, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 10, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2023 · Amount on Record
Deed Sale	Mar 21, 2023 · Amount on Record
Prior Sale	Oct 10, 2012 · Amount on Record
Deed Document Number	2023264940
Deed Book / Page	1993 / 1008
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Mar 21, 2023
Property Address	2090 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Document Number	0019931008
Book / Page	1993 / 1008
Instrument Date	Mar 13, 2023
Instrument	264940
Transaction Type	Transfer
Record Updated	May 12, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$804.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2090 LOCUST BLUFF RD, COVINGTON, TN 38019-4722

Mortgage

Document Number	0019931011
Date	Mar 21, 2023
Book Page	1993/1011
Instrument	264941

Lender

Name	PATRIOT BANK
Type	Bank
Address	MILLINGTON, TN 38053

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	2090 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Transaction Type	Mortgage
Record Updated	Mar 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001950466
Date	Mar 15, 2022
Book Page	1950/466
Instrument	255043

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	2090 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Document Number	1853839
Instrument Date	Jun 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2090 LOCUST BLUFF RD COVINGTON TN 380194722, COVINGTON, TN 38019-4722

Mortgage

Document Number	1853839
Date	Jul 27, 2020
Book Page	001853/000839
Instrument	235392

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	2090 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Document Number	1732216
Book / Page	001732 / 000216
Instrument Date	Aug 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2090 LOCUST BLUFF RD COVINGTON TN 380194722, COVINGTON, TN 38019-4722

Mortgage

Document Number	1732216
Date	Aug 23, 2017
Book Page	001732/000216
Instrument	206870

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

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	$751.00 (+7.13%)	$49,325 (-) Land $3,150 Building $46,175
2023		$49,325 Land $3,150 Building $46,175
2022	$701.00
2020			$197,300 Land $12,600 Building $184,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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