Tipton County property record for 3248 Hwy 54 E, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,924 sqft · built 2018 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $114,000 (Feb 1986) |
| Tax Bill | $1,901 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084042 02606 |
| Primary APN | 084042 02606 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,924 sqft Living Area |
| 1st Floor Area | 2,164 sqft |
| Attic | Attic |
| Attic Area | 240 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Finished |
| Garage Area | 575 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Patio |
| Porch Area | 194 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 3248 HIGHWAY 54 E |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BILLINGS HWY 54 E |
| Legal Lot Number | 1 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 40602 |
3248 Hwy 54 E is owned and occupied by two individuals who acquired it in November 2024.
Source: Tipton County records, as of January 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3248 HIGHWAY 54 E, COVINGTON, TN 38019-7148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PATRIOT BANK |
| Oct 17, 2018 | Deed of Trust, Mortgage PATRIOT BK |
| Mar 19, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage PATRIOT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 1986 · Amount on File |
| Deed Sale | Feb 18, 1986 · Amount on File |
| Deed Book / Page | 548 / 70 |
| Last Transfer Date | Nov 19, 2024 |
| Transfer Doc | 0002060754 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 3248 HIGHWAY 54 E, COVINGTON, TN 38019-7148 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1897106 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 1897/106 |
| Instrument | 244081 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Address | MILLINGTON, TN 38053 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 3248 HIGHWAY 54 E, COVINGTON, TN 38019-7148 |
| Document Number | 1777673 |
| Instrument Date | Oct 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3248 HIGHWAY 54 E COVINGTON TN 38019, COVINGTON, TN 38019 |
| Document Number | 1777673 |
|---|---|
| Date | Oct 23, 2018 |
| Book Page | 001777/000673 |
| Instrument | 218132 |
| Name | PATRIOT BK |
|---|---|
| Type | Bank |
| Address | MILLINGTON, TN 38053 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 22, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Mar 19, 2018 |
| Property Address | 3248 HIGHWAY 54 E, COVINGTON, TN 38019-7148 |
| Book / Page | 001753 / 000001 |
| Instrument Date | Mar 9, 2018 |
| Instrument | 212161 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 27, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 309 COTTON BAY CV COVINGTON TN 380193573, COVINGTON, TN 38019-3573 |
| Document Number | 17531 |
|---|---|
| Date | Mar 19, 2018 |
| Book Page | 001753/000001 |
| Instrument | 212161 |
| Name | PATRIOT BK |
|---|---|
| Type | Bank |
| Address | ATOKA, TN 38004 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 18, 2019 |
The 2025 property tax bill for 3248 Hwy 54 E was $1,901.
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 | $1,901.00 | $124,950 Land $12,700 Building $112,250 | |
| 2023 | $121,675 Land $12,700 Building $108,975 | ||
| 2022 | $1,736.00 | ||
| 2020 | $499,800 Land $50,800 Building $449,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3248 Hwy 54 E in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.
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 |
| Nearby Flood Claims | 3 (2010–2025) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 3248 Hwy 54 E is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 5 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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