2287 Hwy 54 E, Covington, TN 38019 Property Records

Tipton County property record for 2287 Hwy 54 E, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,212 sqft · built 1955
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Dec 2023)
Tax Bill	$369 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Nov 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`084042 04600`

Property Details

APN / Parcel Number

Primary APN	`084042 04600`
Alternative APN	`042 04600`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	1,212 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1980
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	210 ft deep x 105 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	2287 HIGHWAY 54 E
City	COVINGTON
State	TN
Zip	38019-7131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C61
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	1
Census Block	1041
Census Tract	40602

Owner

Source: Tipton County records, as of January 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2287 HIGHWAY 54 E, COVINGTON, TN 38019-7131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 13, 2017	Warranty Deed, Transfer · Conventional Mortgage PATRIOT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Oct 13, 2017 · Amount on Record
Deed Document Number	2023271295
Deed Book / Page	2023 / 796
Prior Transfer Date	Nov 10, 2017
Prior Transfer Doc	0001741761
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Dec 18, 2023
Property Address	2287 HIGHWAY 54 E, COVINGTON, TN 38019-7131
Document Number	0002023796
Book / Page	2023 / 796
Instrument Date	Nov 22, 2023
Instrument	271295
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	ENID TITLE AND CLOSING, EDCO TITLE & CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000271296
Date	Dec 18, 2023
Instrument	271296

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIPTON TN
Recording Date	Nov 27, 2017
Property Address	2287 HIGHWAY 54 E, COVINGTON, TN 38019-7131
Document Number	1741761
Book / Page	001741 / 000761
Instrument Date	Nov 10, 2017
Instrument	209402
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7777 ALVARADO RD #260 LA MESA CA 919428318, 260, LA MESA, CA 91942-8318

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Oct 13, 2017
Property Address	2287 HIGHWAY 54 E, COVINGTON, TN 38019-7131
Document Number	0001737125
Book / Page	1737 / 125
Instrument Date	Oct 11, 2017
Instrument	208253
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7777 ALVARADO RD STE 260, 260, LA MESA, CA 91942-8318

Mortgage

Document Number	1737127
Date	Oct 13, 2017
Book Page	1737/127
Instrument	208254

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 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	$369.00 (+34.18%)	$24,225 (+26.83%) Land $4,475 Building $19,750
2023		$19,100 (+41.74%) Land $4,475 Building $14,625
2022	$275.00	$13,475 Land $3,275 Building $10,200	$53,900 (-44.38%) Land $13,100 Building $40,800
2020			$96,900 Land $17,900 Building $79,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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	6 in force
Nearby Flood Claims	3 (2010–2025)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 claims

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	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	COVINGTON WATER DEPT serves 14,334 people · EPA ID TN0000144
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 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 9 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 (outdoors only) and 4G LTE

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