286 Emerald Oaks Dr, Covington, LA 70433 Property Records

St. Tammany Parish property record for 286 Emerald Oaks Dr, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	1,484 sqft · built 2008
Owner	Individual on Record
Last Sale	$175,000 (Nov 2016)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	Apr 2009 Mortgage Nov 2016 Sale & Mortgage + 1 more
APN	`107-808-1099`

Property Details

APN / Parcel Number

Primary APN	`107-808-1099`
Alternative APN	`33146`

Interior

Building Area	1,484 sqft Living Area

Exterior

Year Built	Built 2008
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	107-808-1099
Street Address	286 EMERALD OAKS DR
City	COVINGTON
State	LA
Zip	70433-6136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 2 EMERALD OAKS PH 1 INST NO 1452794 INST NO 1641622 INST NO 1916465 INST NO 2043955
Legal Subdivision	EMERALD OAKS
Legal Phase	1
Legal Unit	2
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	2
Census Block	2033
Census Tract	40607

Owner

Source: St. Tammany Parish assessment roll, as of October 15, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	286 EMERALD OAKS DR # 2, 2, COVINGTON, LA 70433-6136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2009	Deed of Trust, Mortgage · Conventional Mortgage PULASKI MORTGAGE CO
Nov 15, 2016	Cash Sale Deed, Transfer · VA Mortgage GULF COAST BANK & TRUST CO
Sep 16, 2013	Cash Sale Deed, Transfer · Conventional Mortgage GMFS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2016 · Amount on Record
Deed Sale	Nov 15, 2016 · Amount on Record
Prior Sale	Sep 16, 2013 · Amount on Record
Deed Document Number	2043955
Record Updated	Jun 8, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	286 EMERALD OAKS DR, COVINGTON, LA 70433-6136
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	MAHONY TITLE SERVICES LLC, MAHONY TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001720188
Date	Apr 1, 2009
Instrument	1720188

Lender

Name	PULASKI MORTGAGE CO
Type	Mortgage Company
Address	MANDEVILLE, LA 70471

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2039

November 2016: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Nov 15, 2016
Property Address	286 EMERALD OAKS DR, COVINGTON, LA 70433-6136
Document Number	0002043955
Map Reference	DOC 1480473
Instrument Date	Nov 14, 2016
Instrument	2043955
Transaction Type	Transfer
Record Updated	Feb 6, 2026

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 EMERALD OAKS DR, COVINGTON, LA 70433-6136

Mortgage

Document Number	0002043957
Date	Nov 15, 2016
Instrument	2043957

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2046

Interest

Rate Type	Fixed Rate

September 2013: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Sep 16, 2013
Property Address	286 EMERALD OAKS DR, COVINGTON, LA 70433-6136
Document Number	0001916465
Map Reference	FILE3787
Instrument Date	Sep 16, 2013
Instrument	1916465
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	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	652 BROWN THRASHER LOOP N, MADISONVILLE, LA 70447-3051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 EMERALD OAKS DR # 2, 2, COVINGTON, LA 70433-6136

Mortgage

Document Number	0001916466
Date	Sep 16, 2013
Instrument	1916466

Lender

Name	GMFS LLC
Type	Subprime Lender
Address	BATON ROUGE, LA 70806

Agreement

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

Tax Assessment & Valuation

Source: St. Tammany Parish assessment roll, as of October 15, 2025

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 (+23.74%) Homeowner's exemption	$19,420 (+15.75%) Land $2,500 Building $16,920	$194,199 (+15.75%) Land $25,000 Building $169,199
2023	$1,188.00 Homeowner's exemption	$16,777 (-) Land $2,500 Building $14,277	$167,770 (-) Land $25,000 Building $142,770
2022	$1,188.00 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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