331 Hcr 1428, Covington, TX 76636 Property Records

Hill County property record for 331 Hcr 1428, Covington, TX 76636

Property Summary

Property Type	Rural Home
Details	2 ba · 1,306 sqft · built 1971
Lot Size	1.22 acres (53,187 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,940 (2026)
Deeds & Mortgages	May 2022 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16010-55500-90581-000000`

Property Details

APN / Parcel Number

Primary APN	`16010-55500-90581-000000`
Alternative APN	`123993`

Interior

Full Baths	2 Baths
Building Area	1,306 sqft Living Area
Gross Area	5,086 sqft
1st Floor Area	1,306 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick Veneer
Roof Type	Gable
Lot Area	53,187 sqft (1.22 acres)
Garage Type	Attached
Garage Area	572 sqft
Porch	Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16010-55500-90581-000000
Street Address	331 HCR 1428
City	COVINGTON
State	TX
Zip	76636-4414
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	J MCCARTER A-555 TR 58A 1.221 AC
Legal Subdivision	J M MCCARTER SURVEY A-
Legal Tract	58A
Jurisdiction	HILL TX
Township / Civil Division	BLUM
Census Block Group	1
Census Block	1016
Census Tract	960200

Owner

331 Hcr 1428, a rural home, is owned and occupied by two individuals who acquired it in September 2022.

Source: Hill County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	331 HCR 1428, COVINGTON, TX 76636-4414
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Aug 9, 2021	Vendor's Lien, Transfer FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2022
Deed Sale	Sep 7, 2022
Prior Sale	Aug 9, 2021 · Amount on File
Deed Document Number	2022140190
Deed Book / Page	2215 / 354
Prior Transfer Date	Aug 2, 2022
Prior Transfer Doc	0000140190
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	331 HCR 1428, COVINGTON, TX 76636-4414
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002188/76
Date	May 9, 2022
Book Page	2188/76
Instrument	135555

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	331 HCR 1428, COVINGTON, TX 76636-4414
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002127/199
Date	Aug 9, 2021
Book Page	2127/199
Instrument	125425

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HILL TX
Recording Date	Aug 9, 2021
Property Address	331 HCR 1428, COVINGTON, TX 76636-4414
Document Number	002127/214
Book / Page	2127 / 214
Map Reference	VOL 1213 PG 324
Instrument Date	Aug 5, 2021
Instrument	125426
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	PROROVIDENCE TITLE COMPANY, PROVIDENCE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3633 BLACKBERRY PATCH RD, STOVER, MO 65078-1364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 HCR 1428, COVINGTON, TX 76636-4414

Mortgage

Document Number	0000125425
Date	Aug 9, 2021
Instrument	125425

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 331 Hcr 1428 was $5,940 with exemptions applied, up 264.6% from the year before.

Source: Hill County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Hill County
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,940.00 (+264.64%)	$340,550 (+1.26%) Land $35,410 Building $305,140	$340,550 (+1.26%) Land $35,410 Building $305,140
2025	$1,629.00 Homeowner's exemption Senior Citizen's exemption	$336,320 Land $35,410 Building $300,910	$336,320 Land $35,410 Building $300,910
2023		$306,030 Land $34,190 Building $271,840	$306,030 Land $34,190 Building $271,840
2022	$1,607.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 331 Hcr 1428 in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · 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
Nearby Flood Claims	3 (2000–2015)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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

Wildfire risk around 331 Hcr 1428 is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 74% of Texas
Wildfire Likelihood	0.5% 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	WOODROW OSCEOLA WSC BLANTON WELL PLANT 1 serves 2,526 people · EPA ID TX1090025
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fixed Wireless	300 / 60
Nextlink Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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