Tipton County property record for 4365 Hwy 54 E, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,248 sqft · built 1956 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Nov 2020) |
| Tax Bill | $352 (2025) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 084043 04603 |
| Primary APN | 084043 04603 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,142 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 396 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 4365 HIGHWAY 54 E |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7160 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | FAR |
| Legal Description | DISTRICT: 13, COUNTY AREA: A62 |
| Legal Subdivision | SIDE OF HIGHWAY 54 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 40900 |
Source: Tipton County records, as of January 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4365 HIGHWAY 54 E, COVINGTON, TN 38019-7160 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 9, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LEADERS CU |
| Nov 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage PATRIOT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2020 · Amount on Record |
| Deed Sale | Nov 20, 2020 · Amount on Record |
| Prior Sale | Mar 9, 2005 |
| Deed Document Number | 2020239087 |
| Deed Book / Page | 1871 / 743 |
| Last Transfer Date | Sep 13, 2024 |
| Transfer Doc | 0002052932 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 4365 HIGHWAY 54 E, COVINGTON, TN 38019-7160 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001990303 |
|---|---|
| Date | Feb 9, 2023 |
| Book Page | 1990/303 |
| Instrument | 263933 |
| Name | LEADERS CU |
|---|---|
| Type | Credit Union |
| Address | JACKSON, TN 38305 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Mar 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Nov 20, 2020 |
| Property Address | 4365 HIGHWAY 54 E, COVINGTON, TN 38019-7160 |
| Document Number | 0001871743 |
| Book / Page | 1871 / 743 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 239087 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $333.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4365 HIGHWAY 54 E, COVINGTON, TN 38019-7160 |
| Document Number | 0000239088 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 239088 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2035 |
Source: Tipton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $352.00 (+6.34%) | $23,125 (-) Land $4,075 Building $19,050 | |
| 2023 | $23,125 Land $4,075 Building $19,050 | ||
| 2022 | $331.00 | ||
| 2020 | $92,500 Land $16,300 Building $76,200 |
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.
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 | 2 in force |
| Nearby Flood Claims | 1 (2010) |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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 94% of the US · lower than 95% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 28 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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