314 James Ave, Covington, TN 38019 Property Records

Tipton County property record for 314 James Ave, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,082 sqft · built 1948
Lot Size	0.275 acres (12,000 sqft)
Owner	Company Name on Record
Last Sale	$1,775,000 (Apr 2024)
Tax Bill	$422 (2022)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`084041J L 00500`

Property Details

APN / Parcel Number

Primary APN	`084041J L 00500`
Alternative APN	`041J L 00500`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,082 sqft Living Area
1st Floor Area	1,082 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1972
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	160 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	314 JAMES AVE
City	COVINGTON
State	TN
Zip	38019-3329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C44
Legal Subdivision	SOUTH COLLEGE
Legal Lot Number	16 75
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	5
Census Block	5021
Census Tract	40700

Owner

Source: Tipton County records, as of January 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1364 MUNFORD AVE, MUNFORD, TN 38058-6738
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · Commercial Mortgage THE BANK OF FAYETTE COUNTY
Jul 24, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF FAYETTE CNTY
Jun 22, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Deed Document Number	0002043325
Deed Book / Page	1848 / 731
Prior Transfer Date	Jun 22, 2020
Prior Transfer Doc	234304
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	314 JAMES AVE, COVINGTON, TN 38019-3329
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002026931
Date	Jan 29, 2024
Book Page	2026/931
Instrument	271976

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank
Address	OAKLAND, TN 38060

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	314 JAMES AVE, COVINGTON, TN 38019-3329
Document Number	1855801
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 561 BRIGHTON TN 380110561, BRIGHTON, TN 38011-0561

Mortgage

Document Number	1855801
Date	Aug 10, 2020
Book Page	001855/000801
Instrument	235832

Lender

Name	BANK OF FAYETTE CNTY
Type	Bank
Address	MASON, TN 38049

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jun 22, 2020
Property Address	314 JAMES AVE, COVINGTON, TN 38019-3329
Document Number	1848731
Book / Page	001848 / 000731
Instrument Date	Jun 18, 2020
Instrument	234304
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$176.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 561 BRIGHTON TN 380110561, BRIGHTON, TN 38011-0561

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of May 20, 2025

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		$18,300 (-) Land $3,675 Building $14,625
2023		$18,300 Land $3,675 Building $14,625
2022	$422.00
2020			$73,200 Land $14,700 Building $58,500

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	1 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 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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