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3978 Flat Iron Rd, Covington, TN 38019 Property Records

Tipton County property record for 3978 Flat Iron Rd, Covington, TN 38019

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,193 sqft · built 1999
Lot Size1.07 acres (46,609 sqft)
OwnerIndividual Name on Record
Tax Bill$599 (2025)
Deeds & MortgagesApr 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN084008 00903

Property Details

APN / Parcel Number

Primary APN084008 00903
Alternative APN
  • 008 00903

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,193 sqft Living Area
1st Floor Area1,193 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Exterior MaterialBrick
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area46,609 sqft (1.07 acres)
Lot Dimensions240 ft deep x 195 ft wide
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected

Location & Zoning

Street Address3978 FLAT IRON RD
CityCOVINGTON
StateTN
Zip38019-4128
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 01, COUNTY AREA: C64
Legal SubdivisionMCKNATT-FLAT IRON RD MINOR
Legal Lot Number1 195
JurisdictionTIPTON TN
Township / Civil Division1
Census Block Group1
Census Block1005
Census Tract40601

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 RecordIndividual Name on Record
Mailing Address3978 FLAT IRON RD, COVINGTON, TN 38019-4128
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 23, 1998
Deed SaleNov 23, 1998
Deed Document Number0000847459
Record UpdatedJun 8, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionTIPTON TN
Property Address3978 FLAT IRON RD, COVINGTON, TN 38019-4128
Transaction TypeMortgage
Record UpdatedMay 6, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3978 FLAT IRON RD, COVINGTON, TN 38019-4128

Mortgage

Document Number189799
DateApr 22, 2021
Book Page1897/99
Instrument244079
Lender
NameBANCORPSOUTH BANK
TypeBank
AddressCOVINGTON, TN 38019
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueApr 26, 2031
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTennessee
CountyTipton County
Unified School DistrictTipton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$599.00 (+6.39%)$39,375 (-) Land $5,450 Building $33,925
2023$39,375 Land $5,450 Building $33,925
2022$563.00
2020$157,500 Land $21,800 Building $135,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 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 RiskLow
lower than 96% of the US · lower than 96% of Tennessee
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemFIRST U.D. OF TIPTON COUNTY
serves 9,340 people · EPA ID TN0000703
Water SourceGroundwater
Last State InspectionJul 2024
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 2 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Aeneas Communications
Fiber		1,000 / 1,000

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