428 Place Saint Michel, Covington, LA 70433 Property Records

St. Tammany Parish property record for 428 Place Saint Michel, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	2,517 sqft · built 2007
Owner	Individual Name on Record
Last Sale	$540,000 (Apr 2022)
Tax Bill	$5,393 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2022 Sale & Mortgage
APN	`103-807-3124`

Property Details

APN / Parcel Number

Primary APN	`103-807-3124`
Alternative APN	`2833`

Interior

Building Area	2,517 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	103-807-3124
Street Address	428 PLACE SAINT MICHEL
City	COVINGTON
State	LA
Zip	70433-8135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 136 NORMANDY OAKS PH 3A INST NO 925200 INST NO 1565936 INST NO 1702456
Legal Subdivision	NORMANDY OAKS
Legal Phase	3A
Legal Lot Number	136
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	2
Census Block	2028
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
Mailing Address	428 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Apr 8, 2022	Deed, Transfer · Conventional Mortgage GMFS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2022 · Amount on Record
Deed Sale	Apr 8, 2022 · Amount on Record
Deed Document Number	2322977
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	428 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002289808
Date	Sep 7, 2021
Instrument	2289808

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2045

Interest

Rate Type	Fixed Rate

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Apr 8, 2022
Property Address	428 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135
Document Number	0002322977
Instrument Date	Apr 8, 2022
Instrument	2322977
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	CRESCENT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	94 ZINNIA DR, COVINGTON, LA 70433-9116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 PLACE SAINT MICHEL, COVINGTON, LA 70433-8135
Investor	Possibly a Property Investor

Mortgage

Document Number	0002322979
Date	Apr 8, 2022
Instrument	2322979

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$5,393.00 (-1.15%)	$43,559 (+2.36%) Land $6,000 Building $37,559	$435,586 (+2.36%) Land $60,000 Building $375,586
2024	$5,456.00 (+16.23%)	$42,556 (+24.85%) Land $6,000 Building $36,556	$425,557 (+24.85%) Land $60,000 Building $365,557
2023	$4,694.00 (+41.64%)	$34,086 (+7.98%) Land $6,000 Building $28,086	$340,856 (+7.98%) Land $60,000 Building $280,856
2022	$3,314.00 Homeowner's exemption	$31,568 Land $6,000 Building $25,568	$315,680 Land $60,000 Building $255,680

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 64% of the US · above 57% of Louisiana
Wildfire Likelihood	0.04% 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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