426 Cercle Du Lac, Covington, LA 70433 Property Records

St. Tammany Parish property record for 426 Cercle Du Lac, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	3,146 sqft · built 2021
Owner	Individual Name on File
Last Sale	$135,000 (Aug 2020)
Tax Bill	$6,397 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Mortgage + 1 more
APN	`103-819-1341`

Property Details

APN / Parcel Number

Primary APN	`103-819-1341`
Alternative APN	`4820`

Interior

Building Area	3,146 sqft Living Area

Exterior

Year Built	Built 2021
Garage Area	691 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	426 CERCLE DU LAC
City	COVINGTON
State	LA
Zip	70433-7339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAISON DU LAC LT7 PH2
Legal Subdivision	MAISON DU LAC
Legal Phase	2
Legal Lot Number	7
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	2
Census Block	2012
Census Tract	40401

Owner

426 Cercle Du Lac is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	426 CERCLE DU LAC, COVINGTON, LA 70433-7339
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GMFS LLC
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage RESOURCE BANK
Aug 6, 2020	Cash Sale Deed, Transfer STONE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on File
Deed Sale	Aug 6, 2020 · Amount on File
Deed Document Number	2219195
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	426 CERCLE DU LAC, COVINGTON, LA 70433-7339
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	STONE TITLE, STONE TITLE INSURANCE OF LA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002296515
Date	Oct 19, 2021
Instrument	2296515

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	426 CERCLE DU LAC, COVINGTON, LA 70433-7339
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	STONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002237024
Date	Nov 12, 2020
Instrument	2237024

Lender

Name	RESOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2020: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Aug 6, 2020
Property Address	426 CERCLE DU LAC, COVINGTON, LA 70433-7339
Document Number	0002219195
Map Reference	MAP 576
Instrument Date	Aug 5, 2020
Instrument	2219195
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	STONE TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 VETERANS MEMORIAL BLVD, METAIRIE, LA 70005-3026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3506 STREAM CT, MANDEVILLE, LA 70448-7402

Tax Assessment & Valuation

The 2025 property tax bill for 426 Cercle Du Lac was $6,397 with a homeowner's exemption, down 3.4% from the year before.

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	$6,397.00 (-3.44%) Homeowner's exemption	$59,172 (-) Land $12,000 Building $47,172	$591,723 (-) Land $120,000 Building $471,723
2024	$6,625.00 (+1.38%) Homeowner's exemption	$59,172 (+7.67%) Land $12,000 Building $47,172	$591,723 (+7.67%) Land $120,000 Building $471,723
2023	$6,535.00 Homeowner's exemption	$54,956 (-) Land $12,000 Building $42,956	$549,564 (+11.12%) Land $120,000 Building $429,564
2022	$6,535.00 Homeowner's exemption	$54,956 Land $12,000 Building $42,956	$494,564 Land $65,000 Building $429,564

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

FEMA has no flood map on file for 426 Cercle Du Lac; there have been 15 flood claims nearby since 2005.

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 File 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

Wildfire risk around 426 Cercle Du Lac is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 69% of Louisiana
Wildfire Likelihood	0.02% 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	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 357 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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