2202 Locust Bluff Rd, Covington, TN 38019 Property Records

Tipton County property record for 2202 Locust Bluff Rd, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,448 sqft · built 1978
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$238,750 (Mar 2025)
Tax Bill	$686 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`084023 01200`

Property Details

APN / Parcel Number

Primary APN	`084023 01200`
Alternative APN	`023 01200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,448 sqft Living Area
1st Floor Area	1,448 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	175 ft deep x 150 ft wide
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Patio Area	336 sqft
Shed	1 Shed
Shed Area	144 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2202 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
Legal Subdivision	MILTON THORNTON
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1004
Census Tract	40900

Owner

Source: Tipton County records, as of June 12, 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	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage UNITED STATES OF AMERICA
Jun 19, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED STATES OF AMERICA
Mar 14, 2025	Warranty Deed, Transfer · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Sep 11, 2024	Warranty Deed, Transfer · Commercial Mortgage FIRST COMMUNITY BANK OF THE HEARTLA
Feb 9, 2018	Warranty Deed, Transfer AMERICAN MTG SVC
Oct 30, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2025 · Amount on Record
Deed Sale	Mar 14, 2025 · Amount on Record
Prior Sale	Sep 11, 2024 · Amount on Record
Deed Document Number	2025281656
Deed Book / Page	2072 / 810
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722

Mortgage

Document Number	0001956919
Date	Apr 29, 2022
Book Page	1956/919
Instrument	256445

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Amount	Amount Recorded
Term	311 Months
Due	Mar 1, 2048

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722

Mortgage

Document Number	0002003448
Date	Jun 19, 2023
Book Page	2003/448
Instrument	266969

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	297 Months
Due	Mar 1, 2048

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Mar 14, 2025
Property Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Document Number	0002072810
Book / Page	2072 / 810
Instrument Date	Mar 14, 2025
Instrument	281656
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$883.38
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722

Mortgage

Document Number	0000281657
Date	Mar 14, 2025
Instrument	281657

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Sep 11, 2024
Property Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Document Number	0002052658
Book / Page	2052 / 658
Instrument Date	Sep 9, 2024
Instrument	277369
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$434.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 HAWKINS RD, BURLISON, TN 38015-7405

Mortgage

Document Number	0000277370
Date	Sep 11, 2024
Instrument	277370

Lender

Name	FIRST COMMUNITY BANK OF THE HEARTLA

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 5, 2044

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Feb 9, 2018
Property Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Document Number	1748976
Book / Page	001748 / 000976
Instrument Date	Feb 8, 2018
Instrument	211187
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	WESTENN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$392.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2202 LOCUST BLUFF RD COVINGTON TN 380194722, COVINGTON, TN 38019-4722

Mortgage

Document Number	17491
Date	Feb 9, 2018
Book Page	001749/000001
Instrument	211188

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	ATOKA, TN 38004

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Oct 30, 2017
Property Address	2202 LOCUST BLUFF RD, COVINGTON, TN 38019-4722
Document Number	1738460
Book / Page	001738 / 000460
Instrument Date	Oct 27, 2017
Instrument	208653
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$251.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	766 OIL MILL RD COVINGTON TN 380194659, COVINGTON, TN 38019-4659

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	$686.00 (+7.52%)	$45,100 (+0.56%) Land $3,150 Building $41,950
2023		$44,850 Land $3,150 Building $41,700
2022	$638.00
2020			$180,400 Land $12,600 Building $167,800

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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