St. Tammany Parish property record for 446 Terrace Lake Dr, Covington, LA 70435
| Property Type | Single Family Home |
|---|---|
| Details | 1,825 sqft · built 2021 |
| Owner | Individual Name on File |
| Last Sale | $237,495 (Jan 2021) |
| Tax Bill | $2,290 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage |
| APN | 107-821-1301 |
| Primary APN | 107-821-1301 |
|---|---|
| Alternative APN |
|
| Building Area | 1,825 sqft Living Area |
|---|
| Year Built | Built 2021 |
|---|---|
| Garage Area | 394 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 446 TERRACE LAKE DR |
|---|---|
| City | COVINGTON |
| State | LA |
| Zip | 70435-5413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALEXANDER RIDGE LT158 PH3D |
| Legal Subdivision | ALEXANDER RIDGE |
| Legal Phase | 3D |
| Legal Lot Number | 158 |
| Jurisdiction | SAINT TAMMANY LA |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 40502 |
446 Terrace Lake Dr is owned and occupied by an individual who bought it in January 2021.
Source: St. Tammany Parish records, as of February 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 446 TERRACE LAKE DR, COVINGTON, LA 70435-5413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2021 · Amount on File |
| Deed Sale | Jan 28, 2021 · Amount on File |
| Deed Document Number | 2249756 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Recording Date | Jan 28, 2021 |
| Property Address | 446 TERRACE LAKE DR, COVINGTON, LA 70435-5413 |
| Document Number | 0002249756 |
| Instrument Date | Jan 28, 2021 |
| Instrument | 2249756 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 6, 2026 |
| Title Company | UNKNOWN, DSLD TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1220 S RANGE AVE, DENHAM SPRINGS, LA 70726-4808 |
| Name | Verified Name |
|---|---|
| Address | 446 TERRACE LAKE DR, COVINGTON, LA 70435-5413 |
| Document Number | 0002249757 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 2249757 |
| Name | DSLD MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 446 Terrace Lake Dr was $2,290 with a homeowner's exemption, down 3.8% from the year before.
Source: St. Tammany Parish assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Louisiana |
| County | St. Tammany Parish |
| Unified School District | St. Tammany Parish School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,290.00 (-3.82%) Homeowner's exemption | $27,917 (-) Land $3,500 Building $24,417 | $279,165 (-) Land $35,000 Building $244,165 |
| 2024 | $2,381.00 (+57.16%) Homeowner's exemption | $27,917 (+42.14%) Land $3,500 Building $24,417 | $279,165 (+42.13%) Land $35,000 Building $244,165 |
| 2023 | $1,515.00 Homeowner's exemption | $19,641 (-) Land $3,500 Building $16,141 | $196,412 (-) Land $35,000 Building $161,412 |
| 2022 | $1,515.00 Homeowner's exemption | $19,641 Land $3,500 Building $16,141 | $196,412 Land $35,000 Building $161,412 |
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.
FEMA has no flood map on file for 446 Terrace Lake Dr; there have been 145 flood claims nearby since 1980.
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 File median of 225 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 225 in force |
| Nearby Flood Claims | 145 (1980–2024) |
| Claims Outside the SFHA | 60 of 145 |
| Most Recent Claim | Sep 2024 · Hurricane Francine |
| 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.
Wildfire risk around 446 Terrace Lake Dr is high, ranking above 76% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 94% of Louisiana |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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