Tipton County property record for 2446 Mount Carmel Rd, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,394 sqft · built 1977 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Jul 1994) |
| Tax Bill | $1,279 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jan 2024 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084050 05501 |
| Primary APN | 084050 05501 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,394 sqft Living Area |
| 1st Floor Area | 2,394 sqft |
| Basement Area | 884 sqft |
| Finished Basement | 884 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 435,600 sqft (10 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 322 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 664 sqft |
| Deck Area | 175 sqft |
| Patio Area | 169 sqft |
| Shed | 1 Shed |
| Shed Area | 660 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 2446 MT CARMEL RD |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C62 |
| Legal Subdivision | CLARENCE MADDOX PROPERTY |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 40602 |
Source: Tipton County records, as of February 20, 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 | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · Commercial Mortgage GREAT RIVER FCU |
| Jan 22, 2024 | Deed of Trust, Mortgage · Line of Credit GREAT RIVER FCU |
| Nov 20, 2023 | Deed of Trust, Mortgage · Line of Credit GREAT RIVER FCU |
| Jul 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EVOLVE BANK & TRUST |
| Jan 3, 2022 | Intrafamily Transfer, Transfer |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Nov 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Apr 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 1994 · Amount on Record |
| Deed Sale | Jul 22, 1994 · Amount on Record |
| Deed Book / Page | 733 / 498 |
| Last Transfer Date | Dec 27, 2021 |
| Transfer Doc | 0001940597 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0002095888 |
|---|---|
| Date | Sep 15, 2025 |
| Book Page | 2095/888 |
| Instrument | 286526 |
| Name | GREAT RIVER FCU |
|---|---|
| Type | Credit Union |
| Address | 1532 W SAINT GERMAIN ST, SAINT CLOUD, MN 56301 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 9, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0002026311 |
|---|---|
| Date | Jan 22, 2024 |
| Book Page | 2026/311 |
| Instrument | 271852 |
| Name | GREAT RIVER FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002021200 |
|---|---|
| Date | Nov 20, 2023 |
| Book Page | 2021/200 |
| Instrument | 270729 |
| Name | GREAT RIVER FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT CLOUD, MN 56301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 13, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001967846 |
|---|---|
| Date | Jul 19, 2022 |
| Book Page | 1967/846 |
| Instrument | 258818 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38119 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Aug 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 9.87% |
| Index | Other |
| Max Rate | 9.87% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Jan 3, 2022 |
| Property Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Document Number | 0001940597 |
| Book / Page | 1940 / 597 |
| Map Reference | MB 187 PG 431 |
| Instrument Date | Dec 27, 2021 |
| Instrument | 252891 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Document Number | 1877911 |
| Instrument Date | Oct 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2021 |
| Title Company | FORT SETTLEMENT SERVICES LLC, FORT SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2446 MT CARMEL RD COVINGTON TN 380197210, COVINGTON, TN 38019-7210 |
| Document Number | 1877911 |
|---|---|
| Date | Dec 31, 2020 |
| Book Page | 001877/000911 |
| Instrument | 240244 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 30, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Document Number | 182496 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 2446 MT CARMEL RD COVINGTON TN 380197210, COVINGTON, TN 38019-7210 |
| Document Number | 182496 |
|---|---|
| Date | Dec 9, 2019 |
| Book Page | 001824/000096 |
| Instrument | 228863 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 8, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 2446 MT CARMEL RD, COVINGTON, TN 38019-7210 |
| Document Number | 1797269 |
| Instrument Date | Apr 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2019 |
| Title Company | BELL AND ALEXANDER TITLE SERVICES, BELL & ALEXANDER TITLE SVC |
| Name | Verified Name |
|---|---|
| Address | 2446 MT CARMEL RD COVINGTON TN 380197210, COVINGTON, TN 38019-7210 |
| Document Number | 1797269 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 001797/000269 |
| Instrument | 222820 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 5, 2049 |
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 | $1,279.00 (+0.39%) | $84,025 (-) Land $21,900 Building $62,125 | |
| 2023 | $84,025 Land $21,900 Building $62,125 | ||
| 2022 | $1,274.00 | ||
| 2020 | $336,100 Land $87,600 Building $248,500 |
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 | 6 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% 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.
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 |
| 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 14 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 |
| Verizon Fixed Wireless | 300 / 20 |
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