Tipton County property record for 405 Park St, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,189 sqft · built 1950 |
| Lot Size | 0.225 acres (9,782 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Mar 2023) |
| Tax Bill | $489 (2022) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Feb 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084041F D 00800 |
| Primary APN | 084041F D 00800 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,189 sqft Living Area |
| 1st Floor Area | 1,189 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,782 sqft (0.225 acres) |
| Lot Dimensions | 146 ft deep x 67 ft wide |
| Porch | Slab |
| Porch Area | 238 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 PARK ST |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-2619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C43 |
| Legal Subdivision | PARK PLACE SUBDIVISION |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 40700 |
405 Park St is owned and occupied by an individual who bought it in March 2023.
Source: Tipton County records, as of March 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 PARK ST, COVINGTON, TN 38019-2619 |
| 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.
| Date | Document |
|---|---|
| Mar 27, 2023 | Warranty Deed, Transfer · USDA Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Feb 1, 2019 | Loan Modification, Mortgage INSOUTH BK |
| Sep 21, 2018 | Loan Modification, Mortgage · Conventional Mortgage INSOUTH BK |
| Feb 9, 2017 | Trustee's Deed, Construction Loan · Line of Credit INSOUTH BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2023 · Amount on File |
| Deed Sale | Mar 27, 2023 · Amount on File |
| Prior Sale | Sep 22, 2008 · Amount on File |
| Deed Document Number | 2023265098 |
| Deed Book / Page | 1994 / 729 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Mar 27, 2023 |
| Property Address | 405 PARK ST, COVINGTON, TN 38019-2619 |
| Document Number | 0001994729 |
| Book / Page | 1994 / 729 |
| Map Reference | MB 195 PG 191 |
| Instrument Date | Mar 23, 2023 |
| Instrument | 265098 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 PARK ST, COVINGTON, TN 38019-2619 |
| Document Number | 0000265099 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 265099 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 405 PARK ST, COVINGTON, TN 38019-2619 |
| Document Number | 1787515 |
| Instrument Date | Feb 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2019 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1940 OIL MILL RD COVINGTON TN 380194667, COVINGTON, TN 38019-4667 |
| Document Number | 1787515 |
|---|---|
| Date | Feb 4, 2019 |
| Book Page | 001787/000515 |
| Instrument | 220514 |
| Name | INSOUTH BK |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Term | 12 Months |
|---|---|
| Due | Feb 3, 2020 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 405 PARK ST, COVINGTON, TN 38019-2619 |
| Document Number | 1774977 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1940 OIL MILL RD COVINGTON TN 380194667, COVINGTON, TN 38019-4667 |
| Document Number | 1774977 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 001774/000977 |
| Instrument | 217422 |
| Name | INSOUTH BK |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 27, 2023 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Feb 9, 2017 |
| Property Address | 405 PARK ST, COVINGTON, TN 38019-2619 |
| Book / Page | 001712 / 000663 |
| Instrument Date | Feb 8, 2017 |
| Instrument | 201688 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 15, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1940 OIL MILL RD COVINGTON TN 380194667, COVINGTON, TN 38019-4667 |
| Document Number | 1712663 |
|---|---|
| Date | Feb 9, 2017 |
| Book Page | 001712/000663 |
| Instrument | 201688 |
| Name | INSOUTH BK |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 8, 2018 |
| Rate Type | Adjustable Rate |
|---|
Source: Tipton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Municipality | Covington City |
| Unified School District | Tipton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $29,550 Land $3,225 Building $26,325 | ||
| 2023 | $29,550 Land $3,225 Building $26,325 | ||
| 2022 | $489.00 | ||
| 2020 | $118,200 Land $12,900 Building $105,300 |
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.
FEMA maps place 405 Park St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.
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 Claims | 1 (1991) |
| Most Recent Claim | Apr 1991 · rainfall accumulation |
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 405 Park St 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 98% of the US · lower than 98.3% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 426 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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