434 Cercle Du Lac, Covington, LA 70433 Property Records

St. Tammany Parish property record for 434 Cercle Du Lac, Covington, LA 70433

Property Summary

Property Type	Residential Vacant Land
Owner	Individual Name on Record
Last Sale	$115,000 (Jan 2025)
Tax Bill	$1,238 (2025)
Deeds & Mortgages	Jan 2025 Sale Mar 2023 Sale + 3 more
APN	`103-819-1343`

Property Details

APN / Parcel Number

Primary APN	`103-819-1343`
Alternative APN	`4822`

Location & Zoning

Street Address	434 CERCLE DU LAC
City	COVINGTON
State	LA
Zip	70433-7339
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	MAISON DU LAC LT9 PH2
Legal Subdivision	MAISON DU LAC
Legal Phase	2
Legal Lot Number	9
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	2
Census Block	2012
Census Tract	41211

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
Co-owner	Co-owner on Record
Mailing Address	434 CERCLE DU LAC, COVINGTON, LA 70433-7339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2025	Cash Sale Deed, Transfer WINTERS TITLE
Mar 28, 2023	Cash Sale Deed, Transfer BAYOU TITLE INC
Aug 18, 2021	Cash Sale Deed, Transfer · Conventional Mortgage HANCOCK WHITNEY BANK
Sep 28, 2020	Cash Sale Deed, Transfer CAPITAL TITLE
Nov 7, 2014	Cash Sale Deed, Transfer WINTERS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2025 · Amount on Record
Deed Sale	Jan 29, 2025 · Amount on Record
Prior Sale	Mar 28, 2023 · Amount on Record
Deed Document Number	2437679
Record Updated	Jun 8, 2026

January 2025: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Jan 29, 2025
Property Address	434 CERCLE DU LAC, COVINGTON, LA 70433-7339
Document Number	0002437679
Map Reference	MAP 5768
Instrument Date	Jan 28, 2025
Instrument	2437679
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	WINTERS TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 JUNIPER CT, MANDEVILLE, LA 70471-6820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 CERCLE DU LAC, COVINGTON, LA 70433-7339

March 2023: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Mar 28, 2023
Property Address	434 CERCLE DU LAC, COVINGTON, LA 70433-7339
Document Number	0002366475
Map Reference	DOC 2287930
Instrument Date	Mar 27, 2023
Instrument	2366475
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	BAYOU TITLE INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30056 COPPER ST, LACOMBE, LA 70445-3050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 JUNIPER CT, MANDEVILLE, LA 70471-6820

August 2021: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Aug 18, 2021
Property Address	434 CERCLE DU LAC, COVINGTON, LA 70433-7339
Document Number	0002287930
Map Reference	MAP 4809
Instrument Date	Aug 6, 2021
Instrument	2287930
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	TITLE CORP OF LOUISIANA

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	125 JUNIPER CT, MANDEVILLE, LA 70471-6820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30056 COPPER ST, LACOMBE, LA 70445-3050

Mortgage

Document Number	0002287931
Date	Aug 18, 2021
Instrument	2287931

Lender

Name	HANCOCK WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2020: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Sep 28, 2020
Property Address	434 CERCLE DU LAC, COVINGTON, LA 70433-7339
Document Number	0002229086
Map Reference	MAP 4809
Instrument Date	Sep 25, 2020
Instrument	2229086
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	CAPITAL TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 VETERANS MEMORIAL BLVD STE 201, 201, METAIRIE, LA 70005-3060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RUE SAINT ANN, METAIRIE, LA 70005-4612

November 2014: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Nov 7, 2014
Property Address	434 CERCLE DU LAC, COVINGTON, LA 70433-7339
Document Number	0001961776
Map Reference	MAP 4809
Instrument Date	Nov 3, 2014
Instrument	1961776
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	WINTERS TITLE

Transaction

Amount	Amount Recorded
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	145 TERRA BELLA BLVD, COVINGTON, LA 70433-8148

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	$1,238.00 (+60.99%)	$10,000 (-) Land $10,000	$100,000 (-) Land $100,000
2024	$769.00 (-44.15%)	$10,000 (-) Land $10,000	$100,000 (-) Land $100,000
2023	$1,377.00	$10,000 (-) Land $10,000	$100,000 (+53.85%) Land $100,000
2022	$1,377.00	$10,000 Land $10,000	$65,000 Land $65,000

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 208 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	208 in force
Nearby Flood Claims	109 (1978–2024)
Claims Outside the SFHA	80 of 109
Most Recent Claim	Sep 2024 · Hurricane Francine
Claims by Event	Hurricane Isaac, Aug 2012 · 3 claims Hurricane Katrina, Aug 2005 · 69 claims Severe Storms And Flooding, May 1995 · 3 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 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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