413 Place Saint Michel, Covington, LA 70433 Property Records

St. Tammany Parish property record for 413 Place Saint Michel, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	2,259 sqft · built 2007
Owner	Individual Name on Record
Last Sale	$430,000 (Sep 2023)
Tax Bill	$2,925 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2023 Mortgage + 1 more
APN	`103-807-3043`

Property Details

APN / Parcel Number

Primary APN	`103-807-3043`
Alternative APN	`2811`

Interior

Building Area	2,259 sqft Living Area

Exterior

Year Built	Built 2007
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	103-807-3043
Street Address	413 PLACE SAINT MICHEL
City	COVINGTON
State	LA
Zip	70433-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORMANDY OAKS LT262 PH3A
Legal Subdivision	NORMANDY OAKS
Legal Phase	3A
Legal Lot Number	262
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	2
Census Block	2033
Census Tract	40401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	413 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Mar 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 22, 2023	Cash Sale Deed, Transfer CRESCENT TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Deed Document Number	2387248
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	413 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136
Transaction Type	Mortgage
Record Updated	Apr 1, 2024
Title Company	CRESCENT TITLE LLC, CRESCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002247895
Date	Jan 19, 2021
Instrument	2247895

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	413 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002366860
Date	Mar 30, 2023
Instrument	2366860

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2043

September 2023: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Sep 22, 2023
Property Address	413 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136
Document Number	0002387248
Instrument Date	Sep 22, 2023
Instrument	2387248
Transaction Type	Transfer
Record Updated	Apr 1, 2024
Title Company	CRESCENT TITLE LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 SUGAR PINE CIR, MADISONVILLE, LA 70447-3211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136

Tax Assessment & Valuation

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	$2,925.00 (-3.43%) Homeowner's exemption	$31,125 (-) Land $6,000 Building $25,125	$311,252 (-) Land $60,000 Building $251,252
2024	$3,029.00 (+5.76%) Homeowner's exemption	$31,125 (+9.98%) Land $6,000 Building $25,125	$311,252 (+9.98%) Land $60,000 Building $251,252
2023	$2,864.00 Homeowner's exemption	$28,301 (-) Land $6,000 Building $22,301	$283,010 (-) Land $60,000 Building $223,010
2022	$2,864.00 Homeowner's exemption	$28,301 Land $6,000 Building $22,301	$283,010 Land $60,000 Building $223,010

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

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 Record median of 534 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	534 in force
Nearby Flood Claims	15 (2005–2024)
Claims Outside the SFHA	7 of 15
Most Recent Claim	Sep 2024 · Hurricane Francine
Claims by Event	Hurricane Ida, Aug 2021 · 6 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

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

Wildfire Risk	Low lower than 66% of the US · above 53% of Louisiana
Wildfire Likelihood	0.02% 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	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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, REV.

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