22285 John T Prats Rd, Covington, LA 70435 Property Records

St. Tammany Parish property record for 22285 John T Prats Rd, Covington, LA 70435

Property Summary

Property Type	Single Family Home
Details	3,468 sqft · built 2000
Lot Size	2.15 acres (93,654 sqft)
Owner	2 Individual Names on File
Last Sale	$515,005 (Apr 2025)
Tax Bill	$5,700 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2024 Mortgage + 5 more
APN	`116-807-4949`

Property Details

APN / Parcel Number

Primary APN	`116-807-4949`
Alternative APN	`65542`

Interior

Building Area	3,468 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	93,654 sqft (2.15 acres)

Location & Zoning

Street Address	22285 JOHN T PRATS RD
City	COVINGTON
State	LA
Zip	70435-0287
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.15 AC SEC 18 6 12 LTPT C2
Legal Subdivision	JOHN T PRATS RD
Legal Lot Number	C2
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	6
Census Block Group	2
Census Block	2033
Census Tract	40107

Owner

22285 John T Prats Rd is owned and occupied by two individuals who acquired it in January 2026.

Source: St. Tammany Parish records, as of February 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage GMFS LLC
Jul 22, 2024	Deed of Trust, Mortgage · FHA Mortgage GMFS LLC
Aug 26, 2009	Deed of Trust, Mortgage · Line of Credit NOLA LENDING GROUP LLC
Jan 30, 2026	Gift Deed, Transfer · FHA Mortgage GMFS LLC
Aug 28, 2023	Gift Deed, Transfer
Jun 7, 2023	Gift Deed, Transfer · FHA Mortgage GMFS LLC
Jul 21, 2021	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2025 · Amount on File
Deed Sale	Apr 15, 2025 · Amount on File
Deed Document Number	20252445663
Last Transfer Date	Jan 20, 2026
Transfer Doc	0002479726
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	CRESCENT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002320319
Date	Mar 23, 2022
Instrument	2320319

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	CRESCENT TITLE LLC, CRESCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002417027
Date	Jul 22, 2024
Instrument	2417027

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2054

Interest

Rate Type	Fixed Rate

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001737921
Date	Aug 26, 2009
Instrument	1737921

Lender

Name	NOLA LENDING GROUP LLC
Type	Mortgage Company
Address	BATON ROUGE, LA 70816

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2039

January 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Jan 30, 2026
Property Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287
Document Number	0002479726
Instrument Date	Jan 20, 2026
Instrument	2479726
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287

Mortgage

Document Number	0002479497
Date	Jan 30, 2026
Instrument	2479497

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

August 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Aug 28, 2023
Property Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287
Document Number	0002384220
Map Reference	DOC 2117910
Instrument Date	Aug 25, 2023
Instrument	2384220
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22277 JOHN T PRATS RD, COVINGTON, LA 70435-0287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287

June 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Jun 7, 2023
Property Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287
Document Number	0002374290
Map Reference	DOC 1621727
Instrument Date	May 19, 2023
Instrument	2374290
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	CRESCENT TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287

Mortgage

Document Number	0002374293
Date	Jun 7, 2023
Instrument	2374293

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

July 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Jul 21, 2021
Property Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287
Document Number	0002282215
Map Reference	DOC 1621727
Instrument Date	Jul 16, 2021
Instrument	2282215
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22285 JOHN T PRATS RD, COVINGTON, LA 70435-0287

Tax Assessment & Valuation

The 2025 property tax bill for 22285 John T Prats Rd was $5,700 with a homeowner's exemption, up 1.7% from the year before.

Source: St. Tammany Parish assessment roll, as of February 6, 2026

Property Jurisdictions

Type	Name
State	Louisiana
County	St. Tammany Parish
Unified School District	St. Tammany Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,700.00 (+1.75%) Homeowner's exemption	$48,528 (-) Land $4,300 Building $44,228	$485,278 (-) Land $43,000 Building $442,278
2024	$5,602.00 (+9.93%) Homeowner's exemption	$48,528 (+23.96%) Land $4,300 Building $44,228	$485,278 (+23.96%) Land $43,000 Building $442,278
2023	$5,096.00 (+8.03%) Homeowner's exemption	$39,148 (+6.71%) Land $2,575 Building $36,573	$391,482 (+6.71%) Land $25,750 Building $365,732
2022	$4,717.00 Homeowner's exemption	$36,688 Land $2,575 Building $34,113	$366,880 Land $25,750 Building $341,130

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

FEMA has no flood map on file for 22285 John T Prats Rd; 98 flood insurance policies are in force nearby.

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 File median of 98 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	98 in force

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

Wildfire risk around 22285 John T Prats Rd is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 79% of the US · above 95% of Louisiana
Wildfire Likelihood	0.5% 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	ST TAM PARISH - ABITA LAKES serves 609 people · EPA ID LA1103173
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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