3539 Hwy 59 W, Covington, TN 38019 Property Records

Tipton County property record for 3539 Hwy 59 W, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,668 sqft · built 1985
Lot Size	2.83 acres (123,710 sqft)
Owner	Individual Name on File
Last Sale	$48,250 (Sep 2025)
Tax Bill	$875 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084040 07400`

Property Details

APN / Parcel Number

Primary APN	`084040 07400`
Alternative APN	`040 07400`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,668 sqft Living Area
1st Floor Area	1,668 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2003
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	123,710 sqft (2.83 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	3539 HIGHWAY 59 W
City	COVINGTON
State	TN
Zip	38019-5526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: C63
Legal Subdivision	MARTHA D CRANFORD & RICHARD E
Jurisdiction	TIPTON TN
Township / Civil Division	3
Census Block Group	3
Census Block	3021
Census Tract	40601

Owner

3539 Hwy 59 W is owned by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	77 TEMPLETON RD, BRIGHTON, TN 38011-3609
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

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 26, 2025 · Amount on File
Deed Sale	Sep 26, 2025 · Amount on File
Prior Sale	Dec 12, 2018
Deed Document Number	286917
Deed Book / Page	2097 / 700
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Sep 26, 2025
Property Address	3539 HIGHWAY 59 W, COVINGTON, TN 38019-5526
Document Number	0002097700
Book / Page	2097 / 700
Instrument Date	Sep 24, 2025
Instrument	286917
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.52
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 TEMPLETON RD, BRIGHTON, TN 38011-3609

Mortgage

Document Number	0000286918
Date	Sep 26, 2025
Instrument	286918

Lender

Name	INSOUTH BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 24, 2026

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3539 Hwy 59 W was $875.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$875.00	$57,525 (-) Land $8,400 Building $49,125
2024	$875.00	$57,525 (-) Land $8,400 Building $49,125
2023		$57,525 Land $8,400 Building $49,125
2022	$822.00
2020			$230,100 Land $33,600 Building $196,500

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

Flood

FEMA maps place 3539 Hwy 59 W in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3539 Hwy 59 W has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	FIRST U.D. OF TIPTON COUNTY serves 9,340 people · EPA ID TN0000703
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	1 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 44 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