400 Melrose Ave, Covington, LA 70433 Property Records

St. Tammany Parish property record for 400 Melrose Ave, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	2,395 sqft · built 2016
Owner	Individual Name on File
Last Sale	$646,215 (Aug 2016)
Tax Bill	$4,824 (2025)
Deeds & Mortgages	Apr 2018 Reverse Mortgage Oct 2021 Mortgage + 3 more
APN	`103-813-2391`

Property Details

APN / Parcel Number

Primary APN	`103-813-2391`
Alternative APN	`3877`

Interior

Building Area	2,395 sqft Living Area

Exterior

Year Built	Built 2016
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	400 MELROSE AVE
City	COVINGTON
State	LA
Zip	70433-8168
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRA BELLA LT541 PH1A2
Legal Subdivision	TERRA BELLA
Legal Phase	1A2
Legal Lot Number	541
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	1
Census Block	1038
Census Tract	40401

Owner

400 Melrose Ave is owned and occupied by an individual who bought it in August 2016.

Source: St. Tammany Parish records, as of February 5, 2026

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

Owner of Record	Individual Name on File
Mailing Address	400 MELROSE AVE, COVINGTON, LA 70433-8168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2018	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Oct 19, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS GROUP
Sep 26, 2016	Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK
Aug 9, 2016	Cash Sale Deed, Subdivision Related Transfer WINTERS TITLE
Dec 22, 2014	Cash Sale Deed, Transfer WINTERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2016 · Amount on File
Deed Sale	Aug 9, 2016 · Amount on File
Prior Sale	Dec 22, 2014 · Amount on File
Deed Document Number	2033269
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	400 MELROSE AVE, COVINGTON, LA 70433-8168
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002106699
Date	Apr 17, 2018
Instrument	2106699

Lender

Name	AMERICAN ADVISORS GROUP
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	85 Months
Due	May 17, 2025

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Index	LIBOR

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	400 MELROSE AVE, COVINGTON, LA 70433-8168
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002296522
Date	Oct 19, 2021
Instrument	2296522

Lender

Name	AMERICAN ADVISORS GROUP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	400 MELROSE AVE, COVINGTON, LA 70433-8168
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002038300
Date	Sep 26, 2016
Instrument	2038300

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2016: Cash Sale Deed, Subdivision Related Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Aug 9, 2016
Property Address	400 MELROSE AVE, COVINGTON, LA 70433-8168
Document Number	0002033269
Map Reference	MAP 4790
Instrument Date	Aug 9, 2016
Instrument	2033269
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2026
Title Company	WINTERS TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 MELROSE AVE, COVINGTON, LA 70433-8168

December 2014: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Dec 22, 2014
Property Address	400 MELROSE AVE, COVINGTON, LA 70433-8168
Document Number	0001966082
Map Reference	MAP 4790
Instrument Date	Dec 16, 2014
Instrument	1966082
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	WINTERS TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1060, COVINGTON, LA 70434-1060

Tax Assessment & Valuation

The 2025 property tax bill for 400 Melrose Ave was $4,824 with a homeowner's exemption, down 3.4% from the year before.

Source: St. Tammany Parish assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Louisiana
County	St. Tammany Parish
Unified School District	St. Tammany Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,824.00 (-3.44%) Homeowner's exemption	$46,466 (-) Land $7,500 Building $38,966	$464,660 (-) Land $75,000 Building $389,660
2024	$4,996.00 (-6.9%) Homeowner's exemption	$46,466 (-) Land $7,500 Building $38,966	$464,660 (-) Land $75,000 Building $389,660
2023	$5,366.00 Homeowner's exemption	$46,466 (-) Land $7,500 Building $38,966	$464,660 (-) Land $75,000 Building $389,660
2022	$5,366.00 Homeowner's exemption	$46,466 Land $7,500 Building $38,966	$464,660 Land $75,000 Building $389,660

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA has no flood map on file for 400 Melrose Ave; there have been 24 flood claims nearby since 1998.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 525 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	525 in force
Nearby Flood Claims	24 (1998–2024)
Claims Outside the SFHA	8 of 24
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Ida, Aug 2021 · 2 claims Severe Storms And Flooding, Aug 2016 · 16 claims

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 400 Melrose Ave is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · above 83% of Louisiana
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect 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	CITY OF COVINGTON WATER SUPPLY serves 16,185 people · EPA ID LA1103011
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected May 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
REV Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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