43 McWilliams Rd, Covington, TN 38019 Property Records

Tipton County property record for 43 McWilliams Rd, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,813 sqft · built 2021
Lot Size	0.79 acres (34,412 sqft)
Owner	Individual Name on Record
Tax Bill	$1,748 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`084039 01507`

Property Details

APN / Parcel Number

Primary APN	`084039 01507`
Alternative APN	`039 01507`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,813 sqft Living Area
1st Floor Area	2,048 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,412 sqft (0.79 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	482 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	264 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	43 MCWILLIAMS RD
City	COVINGTON
State	TN
Zip	38019-6415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CRAIG HWY 59 WEST
Legal Lot Number	1
Jurisdiction	TIPTON TN
Township / Civil Division	3
Census Block Group	2
Census Block	2024
Census Tract	40400

Owner

Source: Tipton County records, as of March 27, 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	43 MCWILLIAMS RD, COVINGTON, TN 38019-6415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit FIRST SOUTH FINANCIAL CU
Jun 7, 2023	Deed of Trust, Mortgage · Line of Credit FIRST SOUTH FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	43 MCWILLIAMS RD, COVINGTON, TN 38019-6415
Transaction Type	Mortgage
Record Updated	Mar 25, 2024
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TTL & CLOSING SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001923289
Date	Sep 21, 2021
Book Page	1923/289
Instrument	249459

Lender

Name	FIRST SOUTH FINANCIAL CU
Type	Credit Union
Address	MEMPHIS, TN 38134

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 20, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	43 MCWILLIAMS RD, COVINGTON, TN 38019-6415
Transaction Type	Mortgage
Record Updated	Mar 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200296
Date	Jun 7, 2023
Book Page	2002/96
Instrument	266685

Lender

Name	FIRST SOUTH FINANCIAL CU
Type	Credit Union
Address	MEMPHIS, TN 38134

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 6, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,748.00 (+7.24%)	$114,850 (-) Land $3,150 Building $111,700
2023		$114,850 Land $3,150 Building $111,700
2022	$1,630.00
2020			$459,400 Land $12,600 Building $446,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2023–2025)
Claims Outside the SFHA	2 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 80% of the US · lower than 72% of Tennessee
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	FIRST U.D. OF TIPTON COUNTY serves 9,340 people · EPA ID TN0000703
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	1 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Aeneas Communications Fiber	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: T-Mobile.

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