285 Ervin Ln, Covington, TN 38019 Property Records

Tipton County property record for 285 Ervin Ln, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,950 sqft · built 1993
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Dec 2019)
Tax Bill	$1,216 (2022)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084018F A 00700`

Property Details

APN / Parcel Number

Primary APN	`084018F A 00700`
Alternative APN	`018F A 00700`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,950 sqft Living Area
1st Floor Area	1,950 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	57,499 sqft (1.32 acres)
View / Lot	Major Street/Thoroughfare
Garage Type	Unfinished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	196 sqft
Utility Building	400 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	285 ERVIN LN
City	COVINGTON
State	TN
Zip	38019-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C54
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1012
Census Tract	40601

Owner

Source: Tipton County records, as of January 21, 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	285 ERVIN LN, COVINGTON, TN 38019-1504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2019 · Amount on Record
Deed Sale	Dec 4, 2019 · Amount on Record
Prior Sale	Aug 23, 2013
Deed Document Number	2019228752
Deed Book / Page	1823 / 617
Prior Transfer Date	Jun 10, 2013
Prior Transfer Doc	0001592833
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Apr 19, 2021
Property Address	285 ERVIN LN, COVINGTON, TN 38019-1504
Document Number	0001896330
Book / Page	1896 / 330
Map Reference	MB 548 PG 168
Instrument Date	Apr 16, 2021
Instrument	243926
Transaction Type	Transfer
Record Updated	Jul 1, 2022
Title Company	ERICKSON TITLE AND CLOSING LLC, ERICKSON TITLE & CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 ERVIN LN, COVINGTON, TN 38019-1504
Investor	Possibly a Property Investor

Mortgage

Document Number	0000243927
Date	Apr 19, 2021
Instrument	243927

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Municipality	Covington City
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$53,025 (-) Land $4,625 Building $48,400
2023		$53,025 Land $4,625 Building $48,400
2022	$1,216.00
2020			$212,100 Land $18,500 Building $193,600

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, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35