425 Place Saint Michel, Covington, LA 70433 Property Records

St. Tammany Parish property record for 425 Place Saint Michel, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	2,268 sqft · built 2007
Lot Size	0.354 acres (15,429 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Apr 2018)
Tax Bill	$3,363 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2022 Mortgage + 1 more
APN	`103-807-3107`

Property Details

APN / Parcel Number

Primary APN	`103-807-3107`
Alternative APN	`2821`

Interior

Building Area	2,268 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	15,429 sqft (0.354 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	425 PLACE SAINT MICHEL
City	COVINGTON
State	LA
Zip	70433-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 258 NORMANDY OAKS PH 3A INST NO 925200 INST NO 1565818 INST NO 1713335 INST NO 2108058
Legal Subdivision	NORMANDY OAKS
Legal Phase	3A
Legal Lot Number	258
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 May 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	425 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE
Apr 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 27, 2018	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on Record
Deed Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	20182108058
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Recording Date	Apr 27, 2026
Property Address	425 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136
Document Number	0002489532
Instrument Date	Apr 22, 2026
Instrument	20262489532
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LE FLEUR DE LIS TITLE COMPANY, LE FLEUR DE LIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136

Mortgage

Document Number	0002489532,
Date	Apr 27, 2026
Instrument	20262489532

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	425 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002325641
Date	Apr 27, 2022
Instrument	2325641

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Apr 27, 2018
Property Address	425 PLACE SAINT MICHEL, COVINGTON, LA 70433-8136
Document Number	0002108058
Map Reference	MAP 4252
Instrument Date	Apr 26, 2018
Instrument	2108058
Transaction Type	Transfer
Record Updated	Apr 6, 2023
Title Company	TRUE 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	425 PLACE ST, COVINGTON, LA 70433

Mortgage

Document Number	0002108059
Date	Apr 27, 2018
Instrument	2108059

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Tammany Parish assessment roll, as of February 6, 2026

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	$3,363.00 (-1.52%) Homeowner's exemption	$34,668 (+1.55%) Land $6,000 Building $28,668	$346,676 (+1.55%) Land $60,000 Building $286,676
2024	$3,415.00 (+18.54%) Homeowner's exemption	$34,139 (+20.12%) Land $6,000 Building $28,139	$341,387 (+20.12%) Land $60,000 Building $281,387
2023	$2,881.00 Homeowner's exemption	$28,421 (-) Land $6,000 Building $22,421	$284,210 (-) Land $60,000 Building $224,210
2022	$2,881.00 Homeowner's exemption	$28,421 Land $6,000 Building $22,421	$284,210 Land $60,000 Building $224,210

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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