278 Emerald Oaks Dr, Covington, LA 70433 Property Records

St. Tammany Parish property record for 278 Emerald Oaks Dr, Covington, LA 70433

Property Summary

Property Type	Condominium
Details	1,484 sqft · built 2008
Lot Size	0.035 acres (1,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$253,000 (Mar 2026)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2020 Mortgage + 3 more
APN	`107-808-2702`

Property Details

APN / Parcel Number

Primary APN	`107-808-2702`
Alternative APN	`33173`

Interior

Building Area	1,484 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Condo/Apartment
Lot Area	1,528 sqft (0.035 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	278 EMERALD OAKS DR
City	COVINGTON
State	LA
Zip	70433-6137
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 4 EMERALD OAKS CONDO INST NO 1459716 INST NO 1624655 INST NO 1852277 INST NO 1919998 INST NO 1920000 [EMERALD OAKS CONDO
Legal Subdivision	EMERALD OAKS
Legal Unit	4
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	5
Census Block Group	2
Census Block	2033
Census Tract	40607

Owner

Source: St. Tammany Parish records, as of July 1, 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	278 EMERALD OAKS DR, 4, COVINGTON, LA 70433-6137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Cash Sale Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO
Jan 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage STANDARD MORTGAGE CO INC
Feb 23, 2011	Deed of Trust, Mortgage · Conventional Mortgage NOLA LENDING GROUP LLC
Oct 15, 2013	Deed, Transfer · Conventional Mortgage ACE MORTGAGE LLC
Apr 19, 2012	Deed, Transfer · Conventional Mortgage NOLA LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Oct 15, 2013 · Amount on Record
Deed Document Number	20262485532
Record Updated	Oct 29, 2026

March 2026: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Mar 25, 2026
Property Address	278 EMERALD OAKS DR, COVINGTON, LA 70433-6137
Document Number	0002485532
Instrument Date	Mar 20, 2026
Instrument	2485532
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	STEWART TITLE

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
Address	628 TERRACE LAKE DR, COVINGTON, LA 70435-5415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 GRAND TURK CT, COVINGTON, LA 70433-4583

Mortgage

Document Number	0002485534
Date	Mar 25, 2026
Instrument	2485534

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	278 EMERALD OAKS DR, COVINGTON, LA 70433-6137
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002189581
Date	Jan 8, 2020
Instrument	2189581

Lender

Name	STANDARD MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

February 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	278 EMERALD OAKS DR, COVINGTON, LA 70433-6137
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001802597
Date	Feb 23, 2011
Instrument	1802597

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2026

October 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Oct 15, 2013
Property Address	278 EMERALD OAKS DR, COVINGTON, LA 70433-6137
Document Number	0001920000
Instrument Date	Oct 8, 2013
Instrument	1920000
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	UNKNOWN, MULTIPLE

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
Address	278 EMERALD OAKS DR # 4, 4, COVINGTON, LA 70433-6137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 PINERIDGE CT, MANDEVILLE, LA 70448-7546

Mortgage

Document Number	0001920001
Date	Oct 15, 2013
Instrument	1920001

Lender

Name	ACE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2043

April 2012: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Apr 19, 2012
Property Address	278 EMERALD OAKS DR, COVINGTON, LA 70433-6137
Document Number	0001852277
Instrument Date	Apr 13, 2012
Instrument	1852277
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	HOMECASTLE TITLE CORPORATION, HOMESTEAD TITLE CORPORATION

Transaction

Amount	Amount Recorded
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
Address	424 AUTUMN CREEK DR, MADISONVILLE, LA 70447-3610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 EMERALD OAKS DR, COVINGTON, LA 70433-6137

Mortgage

Document Number	0001852282
Date	Apr 19, 2012
Instrument	1852282

Lender

Name	NOLA LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2042

Tax Assessment & Valuation

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	$1,418.00 (-3.54%) Homeowner's exemption	$19,420 (-) Land $2,500 Building $16,920	$194,199 (-) Land $25,000 Building $169,199
2024	$1,470.00 (+18.17%) Homeowner's exemption	$19,420 (+15.75%) Land $2,500 Building $16,920	$194,199 (+15.75%) Land $25,000 Building $169,199
2023	$1,244.00 Homeowner's exemption	$16,777 (-) Land $2,500 Building $14,277	$167,770 (-) Land $25,000 Building $142,770
2022	$1,244.00 Homeowner's exemption	$16,777 Land $2,500 Building $14,277	$167,770 Land $25,000 Building $142,770

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 391 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	391 in force
Nearby Flood Claims	20 (1995–2022)
Claims Outside the SFHA	9 of 20
Most Recent Claim	Jun 2022 · rainfall accumulation
Claims by Event	Hurricane Ida, Aug 2021 · 11 claims Severe Storms And Flooding, Mar 2016 · 2 claims Hurricane Katrina, Aug 2005 · 3 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 63% of the US · above 58% of Louisiana
Wildfire Likelihood	0.03% 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	CITY OF COVINGTON WATER SUPPLY serves 16,185 people · EPA ID LA1103011
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected May 2024
Monitoring and Reporting	2 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: REV.

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