Tipton County property record for 224 Downing Rd, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 3.25 ba · 3,323 sqft · built 2023 |
| Lot Size | 5.1 acres (222,156 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,087 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Jan 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 084016 00704 |
| Primary APN | 084016 00704 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.25 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,323 sqft Living Area |
| 1st Floor Area | 2,333 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 222,156 sqft (5.1 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 2,042 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 487 sqft |
| Shed | 1 Shed |
| Shed Area | 960 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 224 DOWNING RD |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-5001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 40400 |
Source: Tipton County records, as of March 30, 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 | 224 DOWNING RD, COVINGTON, TN 38019-5001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jun 5, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage BANK OF RIPLEY |
| Jan 4, 2024 | Deed of Trust, Mortgage · Conventional Mortgage THRIVE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | DOWNING RD, COVINGTON, TN 38019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3539 HIGHWAY 59 W, COVINGTON, TN 38019-5526 |
| Document Number | 0002001690 |
|---|---|
| Date | Jun 5, 2023 |
| Book Page | 2001/690 |
| Instrument | 266600 |
| Name | BANK OF RIPLEY |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Feb 29, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | DOWNING RD, COVINGTON, TN 38019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2024 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3539 HIGHWAY 59 W, COVINGTON, TN 38019-5526 |
| Document Number | 0002025159 |
|---|---|
| Date | Jan 4, 2024 |
| Book Page | 2025/159 |
| Instrument | 271583 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GEORGETOWN, TX 78633 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
Source: Tipton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,087.00 | $137,125 Land $13,550 Building $123,575 | |
| 2020 | $548,500 Land $54,200 Building $494,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 (2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| 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 | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Aeneas Communications Fiber | 1,000 / 1,000 |
May also be available: Xfinity.
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