435 Union St, Covington, TN 38019 Property Records

Tipton County property record for 435 Union St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,092 sqft · built 2007
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on Record
Last Sale	$260,000 (Aug 2025)
Tax Bill	$708 (2022)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2020 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`084025N H 01300`

Property Details

APN / Parcel Number

Primary APN	`084025N H 01300`
Alternative APN	`025N H 01300`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Porch	Slab
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	435 UNION ST
City	COVINGTON
State	TN
Zip	38019-2237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C81
Legal Subdivision	CLOVERDALE PARK
Legal Lot Number	10
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	2
Census Block	2008
Census Tract	40700

Owner

Source: Tipton County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2230 ATOKA LUCILLE RD, ATOKA, TN 38004
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Commercial Mortgage RE INVESTMENT LOANS LLC
Mar 9, 2020	Loan Modification, Mortgage INSOUTH BK
Mar 25, 2019	Loan Modification, Mortgage INSOUTH BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	Feb 27, 2007 · Amount on Record
Deed Document Number	2025285932
Deed Book / Page	2093 / 264
Transfer Doc	1020845
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	435 UNION ST, COVINGTON, TN 38019-2237
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2230 ATOKA IDAVILLE RD, ATOKA, TN 38004-7305
Investor	Possibly a Property Investor

Mortgage

Document Number	0000210475
Date	Nov 17, 2025
Book Page	2104/75
Instrument	288140

Lender

Name	RE INVESTMENT LOANS LLC
Type	Non-Lending Institution
Address	9250 E COSTILLA AVE STE 425, GREENWOOD VILLAGE, CO 80112

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	TIPTON TN
Property Address	435 UNION ST, COVINGTON, TN 38019-2237
Document Number	1835922
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 946 COVINGTON TN 380190946, COVINGTON, TN 38019-0946

Mortgage

Document Number	1835922
Date	Mar 16, 2020
Book Page	001835/000922
Instrument	231628

Lender

Name	INSOUTH BK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Mar 15, 2023

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	TIPTON TN
Property Address	435 UNION ST, COVINGTON, TN 38019-2237
Document Number	1793872
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 19, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 946 COVINGTON TN 380190946, COVINGTON, TN 38019-0946

Mortgage

Document Number	1793872
Date	Apr 4, 2019
Book Page	001793/000872
Instrument	221978

Lender

Name	INSOUTH BK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Apr 3, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$30,850 (-) Land $3,425 Building $27,425
2023		$30,850 Land $3,425 Building $27,425
2022	$708.00
2020			$123,400 Land $13,700 Building $109,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2010–2025)
Claims Outside the SFHA	1 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	Not rated no burnable land 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	COVINGTON WATER DEPT serves 14,334 people · EPA ID TN0000144
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Aeneas Communications, AT&T.

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