Covington City property record for 435 E Phillip St, Covington, VA 24426
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 624 sqft · built 1986 |
| Lot Size | 0.055 acres (2,430 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $192 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 40-5-101 |
| Primary APN | 40-5-101 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 624 sqft Living Area |
| Gross Area | 1,530 sqft |
| 1st Floor Area | 624 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 2,430 sqft (0.055 acres) |
| Lot Dimensions | 135 ft deep x 18 ft wide |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 120 sqft |
| Cooling System | None |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5074 |
|---|---|
| Street Address | 435 E PHILLIP ST |
| City | COVINGTON |
| State | VA |
| Zip | 24426-2644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | PARRISH CT #4 1/2 OF LOT 101 |
| Legal Subdivision | PARRISH CT #4 |
| Legal Lot Number | 101 |
| Jurisdiction | COVINGTON CITY VA |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 60200 |
Source: Covington City records, as of May 12, 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 | 435 E PHILLIP ST, COVINGTON, VA 24426-2644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Covington City assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Covington City |
| Unified School District | Alleghany Highlands Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $192.00 | $22,700 (-) Land $6,000 Building $16,700 | $22,700 (-) Land $6,000 Building $16,700 |
| 2023 | $192.00 | $22,700 Land $6,000 Building $16,700 | $22,700 Land $6,000 Building $16,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 28, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 71 (1978–2016) |
| Claims Outside the SFHA | 32 of 71 |
| Most Recent Claim | Jun 2016 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 60% of Virginia |
|---|---|
| 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POUNDING MILL serves 1,965 people · EPA ID VA2005600 |
|---|---|
| Water Source | Purchased surface water from CITY OF COVINGTON |
| Last State Inspection | Feb 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| Glo Fiber Cable | 1,200 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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