428 Melrose Ave, Covington, LA 70433 Property Records

St. Tammany Parish property record for 428 Melrose Ave, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	2,790 sqft · built 2011
Lot Size	0.185 acres (8,074 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Dec 2025)
Tax Bill	$7,434 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2015 Mortgage + 3 more
APN	`103-811-1889`

Property Details

APN / Parcel Number

Primary APN	`103-811-1889`
Alternative APN	`3382`

Interior

Building Area	2,790 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Lot Area	8,074 sqft (0.185 acres)
Garage Area	715 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	428 MELROSE AVE
City	COVINGTON
State	LA
Zip	70433-8168
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRA BELLA LT548 PH1A2
Legal Subdivision	TERRA BELLA
Legal Phase	1A2
Legal Lot Number	548
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	1
Census Block	1038
Census Tract	40401

Owner

Source: St. Tammany Parish records, as of June 15, 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	428 MELROSE AVE, COVINGTON, LA 70433-8168
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Jul 30, 2015	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK
Dec 8, 2025	Cash Sale Deed, Transfer · Conventional Mortgage GMFS LLC
Apr 12, 2024	Cash Sale Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU
Apr 8, 2011	Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Prior Sale	Apr 12, 2024
Deed Document Number	20252474228
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	428 MELROSE AVE, COVINGTON, LA 70433-8168
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002343634
Date	Aug 26, 2022
Instrument	2343634

Lender

Name	SPRING EQ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2042

Interest

Rate Type	Fixed Rate

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	428 MELROSE AVE, COVINGTON, LA 70433-8168
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001990371
Date	Jul 30, 2015
Instrument	1990371

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2045

Interest

Rate Type	Fixed Rate

December 2025: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Dec 8, 2025
Property Address	428 MELROSE AVE, COVINGTON, LA 70433-8168
Document Number	0002474228
Map Reference	MAP 4790
Instrument Date	Dec 8, 2025
Instrument	2474228
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ARENA 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
Address	220 E 16TH AVE, COVINGTON, LA 70433-3432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 MAPLE RIDGE WAY, COVINGTON, LA 70433-8500

Mortgage

Document Number	0002474229
Date	Dec 8, 2025
Instrument	2474229

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2056

April 2024: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Apr 12, 2024
Property Address	428 MELROSE AVE, COVINGTON, LA 70433-8168
Document Number	0002406314
Map Reference	DOC 1751037
Instrument Date	Apr 12, 2024
Instrument	2406314
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 MELROSE AVE, COVINGTON, LA 70433-8168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 E 16TH AVE, COVINGTON, LA 70433-3432

April 2011: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Apr 8, 2011
Property Address	428 MELROSE AVE, COVINGTON, LA 70433-8168
Document Number	0001807634
Instrument Date	Apr 1, 2011
Instrument	1807634
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2026
Title Company	WINTERS TITLE AGENCY INC

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
Address	PO BOX 2646, MANDEVILLE, LA 70470-2646

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 MELROSE AVE, COVINGTON, LA 70433-8168

Mortgage

Document Number	0001807635
Date	Apr 8, 2011
Instrument	1807635

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2041

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	$7,434.00 (+4.65%)	$60,044 (+8.38%) Land $8,000 Building $52,044	$600,435 (+8.38%) Land $80,000 Building $520,435
2024	$7,104.00 (+22.74%)	$55,403 (+11.85%) Land $8,000 Building $47,403	$554,030 (+11.85%) Land $80,000 Building $474,030
2023	$5,788.00 Homeowner's exemption	$49,532 (-) Land $7,500 Building $42,032	$495,320 (-) Land $75,000 Building $420,320
2022	$5,788.00 Homeowner's exemption	$49,532 Land $7,500 Building $42,032	$495,320 Land $75,000 Building $420,320

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 525 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	525 in force
Nearby Flood Claims	24 (1998–2024)
Claims Outside the SFHA	8 of 24
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Ida, Aug 2021 · 2 claims Severe Storms And Flooding, Aug 2016 · 16 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	Moderate above 61% of the US · above 83% of Louisiana
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
REV Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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