416 Place Saint Michel, Covington, LA 70433 Property Records

St. Tammany Parish property record for 416 Place Saint Michel, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	2,087 sqft · built 2007
Owner	Individual Name on Record
Last Sale	$317,000 (Dec 2017)
Tax Bill	$3,095 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2017 Mortgage + 1 more
APN	`103-807-3120`

Property Details

APN / Parcel Number

Primary APN	`103-807-3120`
Alternative APN	`2830`

Interior

Building Area	2,087 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	103-807-3120
Street Address	416 PLACE SAINT MICHEL
City	COVINGTON
State	LA
Zip	70433-8135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 267 NORMANDY OAKS PH 3A INST NO 925200 INST NO 1565925 INST NO 1634915 INST NO 1744774 INST NO 2089508
Legal Subdivision	NORMANDY OAKS
Legal Phase	3A
Legal Lot Number	267
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	2
Census Block	2032
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
Co-owner	Co-owner on Record
Mailing Address	416 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage GMFS LLC
Aug 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK
Dec 4, 2017	Deed, Transfer · Conventional Mortgage GMFS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2017 · Amount on Record
Deed Sale	Dec 4, 2017 · Amount on Record
Deed Document Number	2089508
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	416 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135
Transaction Type	Mortgage
Record Updated	Apr 6, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002251002
Date	Feb 3, 2021
Instrument	2251002

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	416 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135
Transaction Type	Mortgage
Record Updated	Apr 6, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002074473
Date	Aug 11, 2017
Instrument	2074473

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Dec 4, 2017
Property Address	416 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135
Document Number	0002089508
Map Reference	MAP 4252
Instrument Date	Nov 30, 2017
Instrument	2089508
Transaction Type	Transfer
Record Updated	Apr 6, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	416 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135

Mortgage

Document Number	0002089509
Date	Dec 4, 2017
Instrument	2089509

Lender

Name	GMFS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$3,095.00 (-1.4%) Homeowner's exemption	$32,498 (+1.61%) Land $6,000 Building $26,498	$324,979 (+1.61%) Land $60,000 Building $264,979
2024	$3,139.00 (+18.59%) Homeowner's exemption	$31,983 (+19.67%) Land $6,000 Building $25,983	$319,829 (+19.67%) Land $60,000 Building $259,829
2023	$2,647.00 Homeowner's exemption	$26,725 (-) Land $6,000 Building $20,725	$267,250 (-) Land $60,000 Building $207,250
2022	$2,647.00 Homeowner's exemption	$26,725 Land $6,000 Building $20,725	$267,250 Land $60,000 Building $207,250

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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