422 N Main St, Covington, TN 38019 Property Records

Tipton County property record for 422 N Main St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,408 sqft · built 1954
Lot Size	0.305 acres (13,300 sqft)
Owner	Company Name on Record
Last Sale	$555,000 (Nov 2021)
Tax Bill	$526 (2022)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`084025N E 03100`

Property Details

APN / Parcel Number

Primary APN	`084025N E 03100`
Alternative APN	`025N E 03100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Basement Area	152 sqft
Finished Basement	152 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,300 sqft (0.305 acres)
Lot Dimensions	190 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	422 N MAIN ST
City	COVINGTON
State	TN
Zip	38019-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C43
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	2
Census Block	2012
Census Tract	40700

Owner

Source: Tipton County records, as of March 25, 2026

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

Owner of Record	Company Name on Record
Mailing Address	8806 ROSALEE LN, ATOKA, TN 38004-7206
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage INSOUTH BANK
Aug 24, 2023	Special Warranty Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC
Nov 2, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF RIPLEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Prior Sale	Mar 27, 2009 · Amount on Record
Deed Document Number	2021250974
Deed Book / Page	1931 / 104
Transfer Doc	0001442176
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	422 N MAIN ST, COVINGTON, TN 38019-2108
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001948849
Date	Mar 7, 2022
Book Page	1948/849
Instrument	254685

Lender

Name	INSOUTH BANK
Type	Bank
Address	MILLINGTON, TN 38053

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Feb 25, 2023

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Aug 24, 2023
Property Address	422 N MAIN ST, COVINGTON, TN 38019-2108
Document Number	0002011219
Book / Page	2011 / 219
Instrument Date	Aug 21, 2023
Instrument	268652
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,321.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8806 ROSALEE LN, ATOKA, TN 38004-7206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8806 ROSALEE LN, ATOKA, TN 38004-7206
Investor	Possibly a Property Investor

Mortgage

Document Number	0000268653
Date	Aug 24, 2023
Instrument	268653

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Nov 2, 2021
Property Address	422 N MAIN ST, COVINGTON, TN 38019-2108
Document Number	0001931104
Book / Page	1931 / 104
Instrument Date	Nov 1, 2021
Instrument	250974
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,053.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 WEST DR, MUNFORD, TN 38058-6610
Investor	Possibly a Property Investor

Mortgage

Document Number	0000250975
Date	Nov 2, 2021
Instrument	250975

Lender

Name	BANK OF RIPLEY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Nov 1, 2024

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Municipality	Covington City
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$22,900 (-) Land $2,675 Building $20,225
2023		$22,900 (+42.9%) Land $2,675 Building $20,225
2022	$526.00	$16,025 Land $1,975 Building $14,050	$64,100 (-30.02%) Land $7,900 Building $56,200
2020			$91,600 Land $10,700 Building $80,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2010–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2025 · 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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